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  1. Ok I just got off the phone. They can age account back 5 years when I first moved in my apt. Which is older than my current credit age of close to 3 years.
  2. I have about fixed everything I can. No debt, no collection, I have tried goodwill letters with the lates but no success. I was just thinking this would take my scores from 650 avg to closer to 700 for better rates.
  3. It will report to transunion and Equifax. All of this is in part to raise my score higher to apply for mortgage in jan.
  4. I just want to make sure I explained right. The lates in july is on navy federal and other 7 lates are on Capitol one. I dont have any rent lates. Yall saying it still won't help much?
  5. I was looking where I could add rental payments to help with credit. They will go back 2 years of rental history so it would be like adding 24 months on time payments. I have 8 late payments. One in july the other 7 showing from 2014-2015. My avg age of credit cards thats open is 3.75. If im adding it right adding the 2 years would drop avg age to 3.5 but would the 24 payments help raise score? right now score is 633 on transunion.
  6. They are no longer active. They have the consumer dispute account remarks on them
  7. I plan on applying for a mortgage next month. Should I call now and have dispute remarks removed or wait until the lender pulls my credit and see if I need to?
  8. I did but I only have one
  9. Well I finally pulled my fico scores and Im satisfied with the progress thanks to everyone help. Question is now how do I see my mortgage scores. I paid for experian to get fico thinking I would get all three mortgage scores but it only gave me Experian's score. If I buy my fico will it show all three mortgage scores? EXP 541 to 669 TRANS 520 to 636 EQUI 520 to 655
  10. I had a wells fargo credit card I opened on March 2016 for $500. The account was closed on Sept 2018. between that time I had 2- 30 day lates,1-60 day late and 6- 90+ day lates starting from July 2018 to March 2019 . I did a reage in Jan 2019 to get the card back current. I paid the balance of October 2019. My question is this. I have tried goodwill letters to get the lates removed with no success. Should I ask wells to delete the account from my credit? Would it help my score if they did?
  11. The lates were dec 2013, Jan 2014, on time February and March 2014, late April, may, June, july 2014. Aug 2014 on time then sold house in Sept 2014.
  12. I have a bank of america mortgage loan that is showing as paid because I sold the house. My question is I sold the house back in July 2014 but I have 6 late payments on there from year 2013 to 2014. Im currently looking to buy another house next year I am trying to see what to do. Im not sure if these late pays are affecting my score since they are so old. J F M A M J J A S O N D 2019 2018 2017 2016 2015 2014 2013 Last payment Sep. 01, 2014 Current Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Account Details Account status Paid and Closed Type FHA Real Estate Mortgage Responsibility Individual Account. Remarks No Info Times 30/60/90 days late 6/0/0 Closed Sep. 01, 2014

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