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About midwesties

  • Birthday 02/13/1979

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  1. I would like to believe there is a way, I just haven't found it yet. I had several other items that were on my report last year, and many people told me that I would be stuck with those items for 7 years. I was able to successfully remove all of them, except for these last student loans. There has to be something that will work, and when I find out what that is, I will be sure to share with everyone.
  2. I should also mention that as of now, the lates are only 24 moths old, so no hope of trying the obsolete route.
  3. Hi, I've tried everything to get these old lates removed. Unknown to me, I had 9 separate student loan accounts. I always made one payment, so I thought that it was one account, but the way they report is, it shows as 9 separate accounts. I had some money issues a while back, and the loan(s) got to be 120+ days delinquent, and it was reported that way on all 9 accounts. I have since consolidated the loans, and have been paying them on time for 20 months. Anyone have any tips on how to get them to remove the lates? I have tried contesting them with the credit bureaus just about every way possible, but to no avail. Any help would be greatly appreciated. Thanks!
  4. After 2 years and 3 months of trying to get my paid state of Ohio tax lien removed from my Equifax report, I finally had success! I tried, contesting it, asking for verification, writing letters, speaking with anybody and everybody with the state of Ohio, but nothing worked. Finally, I disputed it saying that it was not mine, and it belonged to a relative with a similar name. I guess the burden of proof was on them, because 6 days later it was deleted! Hey, whatever works, right? I thought I would share this, hopefully it works for some of you out there. Good luck!
  5. 18 months ago I decided to look into my credit, having never known my actual credit scores. I pulled my reports and scores, and was shocked. I had many liens, collections, and lates. My scores were: EX- 485 TU- 501 EQ- 515 After using Credit Boards to research cleaning up my reports and using the advice that many people have posted here, I finally have been approved for a home loan. I was able to remove all collections, reverse many lates, and even remove some paid tax liens. My FICO scores cam in on Monday at: EX- 677 TU- 655 EQ- 639 That's definitely good enough to get financed! I was approved with a 3.875% interest rate. Not too shabby. To anyone that reads this and wonders if Credit Boards can help them fix their credit, the answer is yes!!!
  6. Thanks for the advice everyone. Now, any suggestions for sights (pay or free) for a legitimate FICO? I live in Ohio.
  7. So, maybe I'm ignorant, but I'm assuming that the FICO is what the mortgage underwriters are going to be looking for?
  8. The EQ score is 620. The free credit report.com score is 642, which is supposed to be my experian. I ordered an experian score, and it matched.
  9. I get my scores from Equifax, Free Credit Score.com, and credit karma.
  10. I have scores at 642, 620,and 614. I have 2 credit cards with limits of $450 and $750, both with 20% balances. I have a Kohls card with a $3,000 limit, and a 1% balance, and a Lowes card with a $10,000 limit and a 29% balance. The items that are killing me are a paid state tax lien on 2 CRA's, and I had 9 student loan accounts before I started to fix my credit. Each of those had delinquencies in July and August 0f 2013. I've since refinanced them into 1 account and have been paying on time.;
  11. I'm looking to buy a house this spring, and I need to boost my credit scores. I'm currently around 620-650, but I would like to get my median up to at least 660. I've been doing research and I've found several companies that sell tradelines. They will basically add you as an authorized user to a high limit credit card with a balance of less than 10%, and a credit history of over 3 years. I know it's a bit expensive ($650-$1,000), but they say it will give my score a boost of around 100 points. Anyone ever use a service like this?
  12. That thread looks like it has some great info. I'm going to give some of it a try first thing in the morning!
  13. I've been clearing some old items off my credit report, and the last 2 items are some old Capital One credit cards that were charged off. Each card was only a $300 limit, and they were charged off in 2008. They are due to come off my report in September of this year, but I'm hoping to get them off sooner, as I plan on purchasing a house in March/April, so any points help. I've tried disputing these items several different ways, and I even wrote goodwill letters to Capital One. Nothing has worked so far. So, if anyone out there has any suggestions, I'm all ears. Thanks!
  14. I am perfectly free to dispute for any reason, if I feel it is valid. It is up to the CRA's and the collectors to sort out the rest.
  15. I like to live on the edge. Now if I can just figure out how to get my student loan delinquencies from 2013 erased. Hmmm......
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