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Jamesshrugged

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  1. Hello everyone! Its been a few months since I last posted, but I haven't given up on the credit quest. Since I last posted I managed to have all the negative accounts removed from my credit reports using the 1-2 punch. The bad news is that my score has only gone up about 70 points (to 587). Currently, I only have one account, a secured capital one card that I secured with 200$ but now has a 500$ limit. What do I need to do now that all the bad accounts are gone? I figured it would be apply for some credit, but the score is still so low that im sure it would get denied. Do i need to inv
  2. I would be happy with anything the community wants to do with it. Here is a link http://i.imgur.com/VoJiLUr.jpg?1feel free to post, pin, or any other thing C'mon...you've got a preference, I'm sure. Well, breeze created it, so as long as she gets credit, I really am happy with whatever the community decides. Breeze's original thread has a lot of good discussion included in it too, so that is something to consider.
  3. I would be happy with anything the community wants to do with it. Here is a link http://i.imgur.com/VoJiLUr.jpg?1feel free to post, pin, or any other thing
  4. I'm glad you like it! Its the least I could do, since I've learned so much from this community already.
  5. "You might want to order your Chex Systems report." yeah, i already know that i can't get a bank account. I had to use my girlfriends bank account to get the secured credit card from capital one.
  6. yes, and The check is actually a canceled check from one of my customers. They had paid me 2030$ for a product and then they canceled the check which caused my account to go negative by that amount, and i wasnt able to pay it back. (the business actually failed over the incident)
  7. Oh yeah, sorry guys, I did mean the junk debt when i mentioned the 1-2 punch. the dfas debt was actually mostly covered by my income taxes, all but 500$ this year, so thank you for the link. i will set up a payment arrangement immediately.
  8. "how do you owe the army 2900" I got out early to take care of my daughter after her mom bailed on us, so I had to repay part of my sign on bonus. "That is why you should not pay them." At this point should I do the "1-2 punch" on them?
  9. here are the junk debts, the amount owed and the open date: Acct res corp 85$ 2010 I C SYSTEM INC 55$ 2014 MID CONTINENT CREDIT S 468$ 2013 PROFESSIONAL CR MGMT 90$ 2011 I live in Arkansas.
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