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Jamesshrugged

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  1. Jamesshrugged

    What Next?

    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 invest in some more secured cards? That;s really the only thing i can think of doing, besides letting my current card age and applying for an increase 4 months at the 1 year mark. Thanks again for any advice you can give!
  2. I will wait for one of the pros to answer
  3. A sticky sounds good thanks breeze!
  4. 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.
  5. 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
  6. I'm glad you like it! Its the least I could do, since I've learned so much from this community already.
  7. Thanks everyone! I hope you like it! (of course, all credit to breeze)
  8. Jamesshrugged

    Please help me decide the best way to raise my credit score

    awesome. will that improve the status on my credit report?
  9. Jamesshrugged

    Please help me decide the best way to raise my credit score

    "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.
  10. Jamesshrugged

    Please help me decide the best way to raise my credit score

    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)
  11. Jamesshrugged

    Please help me decide the best way to raise my credit score

    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.
  12. Jamesshrugged

    Please help me decide the best way to raise my credit score

    "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?
  13. Jamesshrugged

    Please help me decide the best way to raise my credit score

    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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