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Everything posted by BetrCred

  1. BetrCred


    Thanks! I will read further to determine what all needs to be in my letters and the costs. I understand that I shouldn’t get the free reports bettercredit 2021 - 2022
  2. BetrCred


    Where can I find the name and mailing address information to the four CRAs? Starting my credit repair journey. better credit
  3. thanks for your timely and detailed response! I will get to work with pulling all of my reports by Nov 16. I will upload the information within a week from the date that I receive all of the information. I will research my state's SOL - it hasn't been that long since... maybe a year or two at most. But I will research for each debt, for some feedback. How to I determine the date for each debt? Is it from the date of the last activity (payment/charge) on the account? Thanks, in advance! 11/11/2020 - the starting date of my credit repair!
  4. I am trying to create a strategy for me to regain my credit score/rating. Can you please review and provide any updates. 1. Bring all open accounts current, as soon as possible. Pay more than the minimum balance amounts monthly. 2. Obtain credit reports from all 4 credit reporting agencies. Do not request the free credit reports. Obtain credit scores too. Track scores. - Any recommendations on a credit monitoring service? - credit karma was a recommendation from a friend. 3. Request last statement balance from original creditor - Verification letter. Also, request
  5. Thanks for your response. My issue within this thread...is pertaining to business credit. A few months ago, I established this company. I am still gathering and processing some administrative paperwork. Within the next ten days, I will show a few hundred dollars in income weekly. Although the expenses, may outweigh the income, in the next few months. Presently, I am currently estimating about $700 per week income. I am going to need several small lines of credit to grow. I am looking to start applying to a few companies, that will provide me with some lines of credit until a
  6. I have been through a personal situation that has left my credit "shameless". I did manage to hold onto two (2) credit cards. The rest are in default and probably going to judgement. I am planning to obtain my credit reports from the 4 major credit bureaus within a week. At that time, I will begin sending letters to original creditors to verify the amounts and then to the collection agencies to verify or remove - letters. Also, i need to remit monthly payments to the creditors to maintain a satisfactory job clearance. However, I will send only to the original creditor and not the collect
  7. I opened a business several months ago. My first credit application was with Dell. They denied. No personal credit guarantees. Any recommendations on a good company to apply to for approval? I was thinking about a Net 30 company? Any recommendations?
  8. No, I don't have any PG biz accounts. My personal credit is undergoing repair and it wouldn't be an asset at this moment.
  9. I opened an LLC a few months ago. I haven't applied to anything yet. I applied for Dell business credit a few days ago online and was denied. Any recommendations on a good company to apply for approval? Thanks!
  10. Thanks MamaBreeze! For your response, Please see my disputes/action below. #12 - PNC Bank - charge off Reporting degrogatory - dispute Dispute: This account was paid in full. #13 - Premier - Charge-off Bal $562 written off Dispute Action: I am planning to contact the bank to determine the / any remaining balance on this account. This account was late and closed by the bank. THis account also had a security deposit. Then, I will dispute per the information I obtain from the bank. Thanks, Better C
  11. I would like to ask a few questions as I begin to repair and repay some credit accounts. My main concern is that I am a federal government employee and needs to maintain a clearance, not Top Secret. Many of my closed accounts had very high interest rates. My income has been temporarily reduced. It should last for one year, at the most. I have obtained my free credit reports so far from two CR agencies. I will download the last one today and list any additional listings here by the end of the day. I am only concerned with the closed accounts. The open accounts, I can approve
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