Tabitha1

bump

So I've read alot of do's and dont's on this site and it's been super helpful! Is it better to be very vauge when you write your dispute letters to the CB's? I wrote out somewhat lengthy dispute letters to TransUnion and Experian and am now wondering if less wouldn't be more? Anyone have any advice or experience with this? Better success one way over the other? Also is it better to write seperate letters for each dispute, or can I dispute three baddies all on the same letter. I understand I don't want to make it easy on the CB's, because the more time they spend in the inquiry the better it is for me, but don't want to be too vauge. Please help! Thanks!

So I have started the daunting task of improving my credit. Here is my situation: I have 13 baddies(EX, TU and EQU): 4 are Student Loans that went into default. I am in my 8th month of rehab and the loans will be taken over (refied) by Direct Loans and I'm told my score will improve because late history/default status will be removed. 4 are in Charge off status - 2 with balnaces, 2 I paid off 4 are in Closed/Collection Status- 3 with balances, 1, a student loan that defaulted was paid off 1 is Open but 120+ days late Here are the steps I'm taking/have taken: 1. Setting up a payment plan with the open account 2. Disputing (again) two of the baddies (SHOULD NOT BE ON MY REPORTS!) 3. Completing SL rehab program Here are my questions: Will getting a secured credit card help raise my FICO? If so what are some good ones available for poor credit? What else can I do to raise FICO? Thanks in advance!!!

Just wondering... how much did your score jump?

Pioneer Credit Recovery has only said that Direct Loans (DL) would be re-financing the loan. If I'm a month away from being out of rehab why would I be going back into it with DL? Therefore I assume (and will verify) that DL is consolidating my student loan. I went into default roughly Late 2005 early 2006.

I just made my 8th rehab payment for Sallie Mae thru Pioneer Credit. They informed me that after completeing and submitting the refinancing info, Direct Loans will be refinacing the two loans ($6955). They said that a 9th payment will be due at the end of the month (3/28). After that I can expect a "significant change" to my credit score to appear in May. My EX score is 563. Here is my question: Does anyone have any experience with going through this process and can tell me how significant this change was? Did it change that quickly? Thanks for all the help in advance!!!