Topics with Label: Rebuilding credit

myFICO® Forums

What Caused You To Have to Rebuild?

by on Latest post on by

61 Replies 1887 Views

61 Replies

1887 Views

Next move to improve my FICO?

by on Latest post on by

11 Replies 693 Views

11 Replies

693 Views

Cool Data to Share this Month - NFCU SSL, AU (Citi...

by on Latest post on by

6 Replies 1025 Views

6 Replies

1025 Views

Save 3b report?

by on Latest post on by

3 Replies 671 Views

3 Replies

671 Views

My credit score is not moving.

by on Latest post on by

8 Replies 2728 Views

8 Replies

2728 Views

Fico 9 SUCCESS !!!!!!!!!

by on Latest post on by

12 Replies 3626 Views

12 Replies

3626 Views

701 TU score

by on Latest post on by

2 Replies 436 Views

2 Replies

436 Views

Pretty sure I royally screwed myself for at least ...

by on Latest post on by

10 Replies 2120 Views

10 Replies

2120 Views

Im sitting at my desk crying!

by on Latest post on by

21 Replies 3846 Views

21 Replies

3846 Views

Medical Data Systems has flagged your account as c...

by on

0 Replies 844 Views

0 Replies

844 Views

41 and finally paying attention to my credit

by on Latest post on by

4 Replies 1945 Views

4 Replies

1945 Views

My journey rebuilding credit.

by on Latest post on by

4 Replies 2515 Views

4 Replies

2515 Views

adding husband as AU to CCs

by on Latest post on by

2 Replies 1366 Views

2 Replies

1366 Views

Missed payments from a year and a half ago messing...

by on Latest post on by

5 Replies 20740 Views

5 Replies

20740 Views

Labels

0 1
1037 1
1099-C 1
18 2
180 day grace period 1
19 1
19 year old 1
30 day 1
30 day late 1
524 Rule 1
700 club 3
800 4
850 FICO 1
AAFES 1
AAOA 10
Aaron's 1
access checks 1
Account 1
account closed 1
account clouser 1
Account Number 1
account review 1
address 2
address change 2
adverse accounts 1
Advice 5
advice needed 2
affirm 1
age 2
age Credit closing card 2
Aging metrics 1
Alaska airlines Bank of America 1
alert 1
alerts 6
Alias 1
alien 1
Alliant 3
amazon 2
amazon store card 2
Amazon Synchrony 1
American Express 11
american express platinum 1
amex 11
Amex 3xCLI 2
amex affecting fico score 1
AMEX BCE 1
Amex Blue Cash Everyday 2
Amex Blue Cash Preferred 1
Amex Cash Magnet 1
Amex Cli 1
Amex credit increase revolvers 1
Amex Delta sky miles 1
Amex Gold 3
amex platinum 2
amount you owe 1
and etc 1
Angry and Frustrated Scores dropped 1
annual credit report 2
annual fee 1
AOD FCU 1
apartment 1
Apartment Renting 6
app 2
App Spree 46
App spree Approvals Gardening 2
Apple 2
Application 3
Application approval 2
Application Help 1
application rules 1
Applications 1
applying 2
approval 5
Approval odds 6
Approvals 2
Approved 2
approved cli 1
APR 5
APR CLI 1
APR PLOC 1
arbitration 1
Arrival 1
assessed fees 1
AT&T 1
att 2
AU 5
Authorized User 35
Authorized user is filing for BK 1
Auto CLI 1
Auto lease 2
Auto Lending 1
Auto Loan 14
auto loans 4
Auto purchase 3
Auto refinance 5
Auto repo 1
Auto-generated applications 1
automotive 1
Autopay 1
AZEO 7
Backdoor 1
Backdoor number for Recon 1
bad credit 2
balance 7
balance tracking 1
Balance Transfer 39
Bank of America 10
bank trust 1
Bankcrupties Credit 1
Banking 14
Bankruptcy 21
Bankruptcy and Credit Cards 2
Bankruptcy Chapter 7 4
Bankruptcy. Fico score 1
banks 2
banrupcty 1
Barclay Card 1
barclaycard 1
Barclays 2
BB&T Spectrum Cash Rewards 1
BBVA 1
BBVA Compass 1
BCA FINANCIAL SERVICES 1
best buy visa 1
Best Buy Visa Citi 1
Best Egg 2
BEST LINES OF CREDIT 1
bill 3
bill pay 1
billing cycle 1
billing error 1
bk 2
Bk 13 1
Black Market Surveillance 1
BMW 1
BOA 6
BOA Travel Rewards Approved 2
BofA 4
boost 2
Brokerage Account 1
Budgeting 3
build credit 2
Building 2
building credit 9
bureau 1
Bureau reporting 3
Bureaus not reporting credit lines 4
business credit 1
business line of credit 1
Calculation 1
cancel credit check total 1
Cap 1 1
Cap One 4
cap1 3
Capital One 24
Capital One CLI 1
Capital one QS 1
capone 1
car 4
Car buying 1
Car Insurance 1
Car Loan 8
car note 1
Card 3
Card Acquisition Risk Score 1
cards 3
Care Credit 2
Care Credit CLI 1
Carrying high balance 1
CARS 2
cash 1
cashback 1
CB reporting 1
CBIS 1
CBR 1
cc 2
Cc charge off 1
CC Utilization 3
Cct 9
Certified mail 1
CFA 4
cfpb 3
chapter 7 1
charge card 1
charge cards 1
charge off 13
Charge offs 8
Charge-off 3
Chargeoff 1
Charges 2
Chase 23
Chase Amazon 1
Chase Approval 1
Chase bank 1
Chase card help needed!!! 1
chase freedom 2
Chase Freedom Unlimited 1
Chase Sapphire Preferred 1
Chase Sapphire Preferred 30 day Message 1
Chase Sapphire Reserve 1
Checking 2
checking accounts 1
checking plus 1
Chexsystem EWS Credit 1
child support 1
Child Support Score Reporting 2
citi 3
Citi AAdvantage 1
Citi Best Buy 1
Citi Diamond 1
Citi Website 1
Citibank 5
Citizens bank 1
citizens one 1
Civil Judgement 1
cli 3
CLI Capital One 2
CLI increase 2
CLI Synchrony 1
CLIs 3
cloc 1
Close 1
closed 1
closed account 1
closed accounts 5
closed credit card 6
Closing 1
closing accounts 1
closing cards 2
closing credit accounts 1
CO 2
CO account 1
Co-sign 2
Collecting 3
collection 9
collection account 6
Collection Agency 20
collection falsely reported 2
Collection Letter 3
collection removal 1
Collection reported in error 3
collections 32
Collections agency 1
Collections HELP 16
Collector verify debt letter 1
collectors 1
college 1
comcast 1
Comcast collection 1
Comenity 3
comparison 1
Complaint 5
consolidation loan 3
consumer complaint 1
consumer finance 4
Consumer Finance Account 1
Consumer statement 2
Contacting current creditors 1
convenience checks 1
Convergent 1
Corrections 1
cosign 1
Costco Anywhere Visa 1
Court 1
COVID-19 1
Cra 6
cra reporting 3
CRA's 2
credit 47
Credit & loan qualification 180
Credit age 2
credit alert 2
Credit application 1
Credit Approval 28
credit approvals 3
credit builder loan 2
credit building 7
Credit bureau 33
Credit Bureau Policy Changes 8
Credit bureau reporting 5
Credit Bureau Score Cards 1
Credit bureaus 7
Credit Card 88
Credit card applications 4
Credit card applications credit cards 4
credit card approval 1
credit card approvals 1
Credit card car 1
Credit card closed 2
Credit Card Consolidation 6
credit card debt 5
Credit Card Dec 2
credit card offers 2
credit card payment 2
credit card payments 5
Credit Card Payments to CR 3
credit card reporting 1
credit card reporting collections close account 1
Credit Card Rewards 1
credit card utilization 3
credit cards 25
Credit Check 3
credit check total 8
credit check total reviews 1
credit check total scam 1
credit checks 3
credit counseling 2
credit denials 2
credit disputes 5
credit diversity 1
credit drop 2
Credit education 99
credit file 3
Credit Fraud 11
Credit freeze 6
credit help 1
credit history 4
Credit improvement 2
credit improvements 1
Credit in the News 3
credit increase 1
credit increase request 1
Credit inquiries 3
credit journey 1
credit karma 11
credit knowledge 1
Credit Limit 15
Credit limit increase 27
credit line increase 1
Credit Line Increase. 2
Credit Line Increase. Upgrade 1
Credit Lock 1
credit management 1
credit managing 4
Credit Mistakes 2
credit mix 3
Credit monitoring 71
Credit one 1
credit one bank 1
credit one closed 1
credit plateau 1
credit problems 2
credit pull 1
Credit rebuild 17
credit rebuilding 5
Credit Repair 14
credit repair help 7
credit report 53
Credit Report investigation 10
Credit reporting 65
credit reporting and lowering credit line for no reason that i can understand 1
credit reporting error 4
credit reports 18
Credit reports collections 6
credit repot 1
Credit requirement 1
credit score 57
Credit score decrease 2
Credit score fluctuations 8
credit score increase 1
credit scores 16
credit scores dropping 6
credit scoring 5
credit scrub 1
Credit sesame 2
Credit simulator 1
Credit Tanked 2
Credit Tracker 2
credit union 8
Credit Union Eligibility 1
credit unions 5
credit usage 1
credit utilization 3
creditcard 1
creditcards 2
CreditKarma 2
Creditor 4
creditt 1
creditwise 2
CSP 1
CUs 1
Customer Service 6
customer trust vs. lender trust 1
Dark web 1
Dark web monitoring 1
Data Breach 1
data furnisher 1
data point 2
dates 2
dcu 2
DCU Credit 1
dealership 1
debit card 2
debt 14
debt collection 7
debt collector 3
debt consolidation 4
debt free 2
Debt management 277
Debt Paydown 6
debt reorganization 1
debt repayment 2
debt revived 1
debt SOL 1
Debt to Income 4
debt validation 1
decrease 1
default 1
defaults 2
Deferral 1
delete 1
Deleting court records 1
delinquency 4
Deliquent payments 3
Denial 3
denied due to many inquiries 1
Dept Credit Consolidating 1
DEROG with UTIL% 1
Derogatory 6
derogatory mark 4
Derogs 1
digital wallet 1
Dillards 1
discharge 1
discoer 1
discount 1
Discover 10
Discover balance transfer 1
DISCOVER CLI 3
Discover IT 3
Discover IT Approval 1
Discover secured 2
discrepancy 2
dispute 15
dispute process 6
Dispute threshold 1
Disputes 44
Disputing late payment 2
diversified consultants 1
Diversity 1
divorce 1
document 1
DOFD 6
Dog Sitting 1
Dog Walking 1
Drivetime 1
drop in experian score 1
Dropped Scores 4
DTI 5
DTI ratio 2
due date 1
due dates 1
early exclusion 4
education 1
EE 2
employer 1
Employer credit pull 1
employment 1
Enhanced Recovery 1
EQ: 761 EX: 709 1
equifax 48
equifax credit freeze 2
equifax dispute 3
Equifax Fraud dispute 5
Equifax free credit freeze 2
Equifax Updating File Recycled Social Security Number 1
errors 3
estimate 1
Etc... 1
eviction 2
EX VS3 1
Excel 1
Exeprian dispute online block 1
Experian 50
Experian app score 1
Experian Boost 2
experian FICO 2
experian phone number 1
Experian. Dispute. 8
Extra Income 1
Failed to Pay 1
failure to pay 1
fair collection 1
FAKO 10
Family 1
family financing 1
FCDPA 1
fco 1
FCRA 11
FCRA violation 4
FDCPA 2
fdcpa lawsuit federal collection agency 1
FED loan 1
Federal reserve 1
Federal tax lien 1
fell 1
felloff 1
Fico 22
fico 2 1
fico 4 1
FICO 5 4 and2 2
fico 8 9
FICO announcement 34
FICO announcements 4
fico definitions 1
FICO Essentials 1B 2
FICO July 2020: Eq-626 Trans-631 Exp-614 1
fico mortgage 1
FICO Score 340
FICO Score 3B Report 5
FICO Score 9 29
FICO Score changes 629
FICO score drop 1
FICO Score versions 220
FICO scores 4
FICO Scoring 17
FICO Ultimate 3B 4
Fico versions 1
FICO2 1
FICO8 Bankcard 1
finance 3
Financial Review 1
financial trouble 1
financing 2
First card 1
First Mortgage 1
first premier 1
First-time home buyer 5
fix 1
fixing my credit 2
flagged account 1
flex 1
foreclosure 3
Foreclosure & Short sell 1
forums 1
Fraud 78
Fraud alert 10
fraud attempt 3
fraud dispute 3
Fraud protection 1
fraudulent 3
fraudulent account 1
free 1
free credit score 2
free FICO score 1
free score 4
free trials 1
Freeze 7
freeze credit 5
Frontline 1
Frozen and fraud alerts 3
full credit history 1
Full File Disclosure 1
Fun 1
furniture 2
Garden 1
Gardening 5
garnishment 1
GC Collections services 1
General credit 15
General Question 6
good credit 1
good will 1
Good Will Letter 2
goodwill letter 1
Goodwill removal 2
Google pay 1
graduate loans 1
great sports 1
Green Card 1
growing 1
GW letter 1
h 1
Hacked 1
hard 1
Hard inquiries 9
hard inquiry 5
hard money 1
Hard Pull 8
Hard pull inquiry 4
hard pulls 1
hardpull 1
HELOC 5
help 14
Help Boost my Credit 2
Help ME!!! 2
help with collections 3
Help! 5
high credit utilization 1
high interest 1
history 5
HOA 2
home 1
home depot 1
Home improvement 1
Home Mortgage 1
housing 2
how many cc's 1
HP 7
Hunter Warfield 1
Hutton chase 1
I hate closing points 1
identity 4
Identity fraud 12
identity guard 3
identity theft 30
idk 1
illegal 2
immigrant 1
Impact 1
impersonation 1
improve 1
improving credit 4
Inaccurate info on report 3
income 1
Income Verification 1
incompetency 1
incorrect 1
incorrect reporting 3
Increase 5
Increases 1
initial limits credit union usaa 1
Innovis 2
Inquiries 19
Inquiries FICO score 5
Inquiries Summary 3
inquiry 11
installment 1
installment loan 9
installment loans 1
insurance 6
intent to sue 1
interest 3
interest fee 1
interest rates 3
internet 1
invalid debt 1
investigation 1
Investing 1
iphone 1
iphone loan 1
iphone upgrade program 1
IRS 3
IRS Scams 2
Item remains 1
ITIN 1
iup 1
joint account 2
joint borrowers 1
joint credit card 1
joint mortgage 1
journey 2
JP Morgan 1
judgement 4
Judgements 1
judgment 2
junk debt 1
Kohls 1
L 1
landlord 1
Large usage 1
Last Four 4 social security debt collector call verification 1
late 1
late alerts 1
late fee drop off 1
late payment 12
late payments 11
late reporting 3
Late to the Credit Party 1
Law 1
Law suit 1
lawsuit 4
learning curve 1
lease 5
legal 4
legal action 2
legal advice 1
legal fees 1
Legal timeline to a collection agency 1
lender 2
Lenders 1
lending club 4
Length of time account have been established 2
Lexis Nexis 1
LexisNexis 6
lien removal 3
liens 1
LightStream 1
limit 1
Limit increase 1
Limited credit history 2
Line of Credit 7
lines of credit 3
LN 1
loan 8
loan and credits 4
loan applications 1
Loan approval 10
Loan company sold 1
loan payoff 2
Loanbuilder 1
Loancare 1
Loans 26
LOC 1
lock credit 1
low income 1
Low Scores 3
Macy's Amex 1
Macy's Website 1
mailers 1
manufactured spending 1
many inquiries 1
Maryland 1
mastercard 2
maxed out 1
maximum 1
medical 5
medical bill 1
medical bills 4
Medical Collection 4
Medical debt 4
Medical debt collection 4
medical debts 1
Members 1
Membership 3
method of validation 1
mf 1
Mid cycle update 3
midcycle 1
Midland 1
Military Star Card Collections 1
Missed Payment. 1
mistake 1
mix 1
money management 1
money managing 1
monitoring 3
Mortage loan 3
mortgage 20
mortgage credit 6
mortgage credit raise score 1
mortgage default 1
Mortgage History 2
mortgage loan 10
Mortgage scores 1
Mortgage Transfer 2
Multi-charge off 1
Multiple reportings 1
My Story 1
myfico 11
MyFico 3Bplus credit report experience 2
Myfico account 2
Name Change 1
name variations 1
NASDAQ 1
national consumer assistance act 1
nationwide acceptance 1
Navient 1
Navy 1
navy federal 1
Navy Federal approval 1
Navy Federal Credit Union 2
Navy Federal Membership 1
ndc 1
need help 1
Need loan fast 1
Negative items or DEROG 158
Negative Remarks 3
negative reporting 1
nelnet 1
never late 1
new 1
New Account 1
new accounts 1
New approvals 1
New car loan while old shows balance 1
New CLI 1
new credit 3
New credit & loan 237
New credit & loans 2
New credit card 4
new home 1
New inquiry 1
new line of credit 1
new ssn 1
new to credit 3
newbie 3
Newegg 1
next steps 1
NFCU 10
NFCU 2nd CC 1
NFCU Cash Rewards 1
NFCU CLI 1
NFCU CLOC 2
NFCU navy federal navy fed 1
Nfcu visa platinum 2
NMAC 1
no credit 2
no credit history 2
no credit while paying family for home loan 1
No dv letter response 1
no explanation 1
no ftf 1
no hard inquiry 1
no hard pull 1
non-FICO credit scores 123
Non-FICO Scores 1
Nordstrom Visa 1
Not more than 2 payments past due 1
not reporting 1
nyc 1
NYSE 1
Of 1
off 1
off cycle update 2
Off-cycle update reporting Fico score improvement 2
old accounts 2
old debt 3
Old late payments 2
Online banking 3
only soft inquiry 1
Onsale 1
open 1
open credit 1
opt in 1
opt out 1
Opt-out 3
OptOut 1
Other 800
p2p loans 2
paid 1
paid as agreed 1
paid medical debt 1
Paragraphs added.. For human consumption. 1
past due 3
past due bills 1
pay for delete 1
Pay-for-delete 1
paydown 2
Paying off debt 5
payment 2
payment history 5
payment method 1
payments 3
payoff 2
Paypal 5
PayPal Cashback MasterCard 1
paypal collection 2
Paypal Credit 8
peer to peer lender 1
Pen Fed 4
Pen Fed approval 1
Pending 1
penfed 7
PenFed Auto Loan 1
PenFed Offers 1
PenFed Power Cash Rewards 1
PenFed Promise 1
Perfect Score 1
persona loan 1
personal 1
personal finance 2
Personal finance apps 11
personal lines of credit 2
Personal loan 30
personal loans 9
pfd 1
Phone 3
Planning 1
Platinum Credit Card 2
Please Help 1
PLOC 3
PLOC APR REDUCTION 1
poor credit 1
portfolio 1
Pre Approval 5
Pre-Approval 1
pre-qualified 4
Premier Financial Credit Union 1
PRG 1
Primary card holder deceased 1
Privacy 1
private loans 1
problems 1
profiles 1
Propel. 1
prosper 3
Prosper Loan 1
public records 4
Question 18
questions 1
QuickSilver 2
quicksilver one 1
quizzle vantage 1
raise score 1
raising credit score up fast 1
Ratio 1
Rausch sturm israel enerson & hornik 1
Reaffrimation 1
rebuild credit 2
Rebuilding 18
Rebuilding and application advice 1
Rebuilding credit 14
Rebuilding Credit after Bankruptcy 3
Recon 1
recovery time 1
Redcard 2
refinance 4
Refinance of Rental Property 1
refunds 2
reinsert collection 1
relationship 1
relationship terminated 1
relationships 1
Remarks 2
remodel 1
Removal 4
Removal dates 1
removal from credit report 5
removal letter 1
removal of lates due to forebearance 1
remove 2
Remove State Liens 1
removed 1
removed collection 2
removing credit accounts 1
rent 6
rental 3
rental payments 1
renting 2
repair 1
Repay 2
Report 1
report discrepancy 6
Report freeze 2
reporting 27
reporting dates 4
Reports 9
repossession 2
resident 1
restaurants 1
Retail cards 204
Revenue group 1
revolving credit utilization 1
revolving line of credit 2
reward cards 1
Rewards 7
Rewards cards 230
REWARDS CREDIT CARDS 1
roommate 1
rooms to go 1
Rosenthal 1
Rover 1
run 1
RV loan 2
saferwholsale 1
Santander auto 1
Saving 2
savings 2
savings account 2
Scam 6
scams 3
sccu 1
scheduled payment 1
score 17
Score and bankruptcy 1
score boost 1
score damage 3
score drop 6
score impact 3
Score improvement 465
Score Improvement. 5
score increase 3
Score ingredients 70
score late 1
Score updates 3
scores 8
Scores increase 3
scrores 2
SCT 1
SCT - easy come...easy go!!! 1
sd 1
secure credit card 1
secured 2
secured cards 2
SECURED CREDIT CARD 7
secured loan 4
security 1
security freeze 2
security-lapse 1
see 1
self 1
Self Lender 1
selflender 1
sesame 1
sesame cash 1
set to be deleted 1
settlement 2
Share lender credit builder credit loans 1
Shellpoint 1
shopping cart 1
Shopping Cart Trick 1
Shopping Cart Trick 2018 1
simulator 5
Sleepys 1
slow to report 1
small claims 1
Small claims court 1
sms 1
sms alertts 1
social security 1
sofi 3
Sofi personal loan 3
soft inquiries 5
Soft pull 8
soft pulls 3
SOL 1
SP 1
split file 2
split files 2
spousal fraud 1
spreadsheet 1
SSI 1
SSL 4
SSN 6
SSN Trace report 1
Star Card 2
State Tax Lien 1
statement 5
Statement close date 1
Statements 1
statue of limitations 3
statute of limitations 2
Stock Market 1
store card 1
store cards 1
Store Credit Cards 1
Story 1
student 1
student loan 7
Student loan age of credit history 3
Student Loan Simulator 1
student loans 11
subprime cards 1
subscription 1
subscriptions 1
success 1
sue 2
sued 1
Sueing 1
Suggestions for BT card 1
sunrise credit services 1
superior rental purchase 1
SYNCB 1
Synchrony 6
synchrony bank 1
synthetic identity fraud 1
T mobile 2
target 2
Target Card 2
tax 2
tax lien 2
tax refund 1
TCPA 1
Tech Issue 1
Tequila Shots 1
Texas 1
Texas Debt Verification 1
Texas Guarentee 1
Thin 1
Thin File 1
third party debt collectors 1
Time since most recent account opening is too short 1
timeline 1
Timing 1
Too many credit cards 1
too many inquiries 1
too much available credit 1
tradelines 3
trades 1
traffic ticket 1
Trans-union TU score jumping 1
transunion 25
transunion dispute 6
Transworld Systems 2
tranunion dispute 1
Travel cards 76
Travel rewards 2
TSI 1
tu 6
TU: 777 1
Tuition 1
TX 1
types of loans to keep 1
U.S. Bank 2
Ultimate 3B 1
Ultra FICO 1
unusual behavior 2
update 2
updates 5
upgrade 1
upside down 2
upstart 1
us bank 2
US Bank Premier Line of Credit 1
usage 2
utility 1
utilization 21
utilization decrease 1
Uverse 1
VA 1
va loan 4
vantage 3
Vantage Score 8
VantageScore 5
Variance between OC & collections dates 1
vehicle repossession 1
Verification 3
verizon 2
Verizon Fios 1
victim 1
Victoria's secret 1
visa 2
VISA cards 2
visa signature 1
Volvo 1
Volvo Financial Services 1
WagWalking 1
Walmart 1
Walmart Synchrony 1
wayfair 1
Wells Fargo 3
wells fargo dealer services 1
Wells Fargo Propel 1
when is it 30 days past due 1
Which first for least impact on credit 1
Why did my Scores Drop 1
without hard inquiry 1
without hard pull 1
Wondering 1
Worried on getting denied 1
worth card to apply 1
Wrong address 1
Wrong addresses 1
You Can Get to 850 1
young 1
zero 1
zero balance 1
zombie debt 1