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claimit

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    FL
  1. Fl yes I know FDOD for all accounts. Sent from my iPhone using Tapatalk
  2. Did a round of disputes, TU has improved from 551 to 594. I am waiting on the outcome of 3 collections. I have a number of old accounts that are showing as paid as agreed with a zero balance, but these accounts were late in the past. (For example Walmart, JCPenny, Kohl’s, credit union personal loan, capital one credit card). Then there are my open accounts that have lates in the past ( Lexus Financial, Mortgage, previous sold mortgage) #1 Question - How do I continue to repair my credit, what is my next move? I thought about getting a new secured credit card. What else can I do to improve my score? Many of my past accounts are with big companies will they remove lates? Still working on Experian and EQ too. Sent from my iPhone using Tapatalk
  3. claimit

    Is there a backdoor for TU reports

    Ok the disputes are scheduled to end 12/24, I will wait for the final dispute report Sent from my iPhone using Tapatalk
  4. Thanks! Before doing the disputes I applied for a secured BOA but was turned down. Yes I am sure the baddies were removed, I am hoping you are correct that it may be temporary. I was hoping for a score increase
  5. I did a few disputes I am getting updates but I can’t tell what has fallen of my TU report is there a way to see TU reports with paying for them? Just curious!
  6. Received FICO alerts today, well the good news is I got 4 baddies off my TU CR, bad news is they were older account so I lost age. Still can not tell which baddies were removed until the final investigation is over with TU. What should I do next continue to remove baddies or try for new credit? Help!!! My scores are really low EXP 560 TU 558 EQ 537.
  7. I had a car that was financed with them back in 2010. It was a voluntary repo DOLA should be 4/2011 They updated my credit report with the DOLA as 11/2017. This loan should be falling off my report 4/2018 but they have updated it with the wrong damage, what can I do to fight this???
  8. Quick question how accurate is myFICO score for TU and EXP? My EQ score was 100% accurate, it matched the score on my decline letter from Discover. I was wondering if myFICO was also correct for TU and EXP? If not how far off is it? Is my FICO typically higher or lower? Just curious! Sent from my iPhone using Tapatalk
  9. claimit

    Whats up with MyFICO?

    I’ve fired off a few disputes Would like to see how the changes are impacting my score.
  10. claimit

    Whats up with MyFICO?

    I am trying to rebuild my credit again, applied for a secured card. Was declined by Discover. Just got an alert that my FaKO score increased 5 pts on EQ how is this? Am I being punked? [emoji21][emoji50] I need a cheaper solution that allows daily pulls. Boy do I miss the back door days with EXP. And being able to pull my score every 24 hours.
  11. claimit

    So what did you get in the mail today?

    even with 700s pass on USSkank Thanks I know now. I always pass on Capital One offers.
  12. claimit

    So what did you get in the mail today?

    US Bank Pre-Select offer. I am always shocked by these offers, my score is in the 500s why am I selected? I will be wasting a hard pull. One day I will get a good card Sent from my iPhone using Tapatalk
  13. claimit

    Where do I begin? Rebuilding my credit AGAIN!

    AAOA includes closed accounts. AAOA is far more important than the age of open accounts. Closing an account will not impact AAOA until the closed account falls off the report, most commonly 10 years later. I’ve just disputed a few collection accounts and GM financial the account is older than 7 years but it stills remains on my files. EXP will not let me dispute it as older than 7 years. WTH! Sent from my iPhone using Tapatalk
  14. claimit

    Where do I begin? Rebuilding my credit AGAIN!

    Thank you! Many of my closed accounts are reporting pays as agreed for the last 24 months, before then they were reported as late. I will try to re-open them but I do not think I will have any luck. Any suggestions on new re-builder cards? Sent from my iPhone using Tapatalk They are still negative accounts. I would suggest dealing with the medical collections first since they are the easiest to deal with. Go to the medical forum and start a thread so Why Chat can help you with his process to get them removed. While you are following his dispute method, you aren't supposed to dispute anything else FYI. Thanks will do! Sent from my iPhone using Tapatalk
  15. claimit

    Where do I begin? Rebuilding my credit AGAIN!

    Thank you! Many of my closed accounts are reporting pays as agreed for the last 24 months, before then they were reported as late. I will try to re-open them but I do not think I will have any luck. Any suggestions on new re-builder cards? Sent from my iPhone using Tapatalk

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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