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jmckenzie90

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  1. Thanks so much for that followup! I've got nothing but time currently so I don't see why I can't take this steps and follow up with IDS. Thank you both for that exchange, helped me understand quite a bit.
  2. Hi There! My apologies, my understanding of the terminology was bit off. I was the Primary (And sole person) on everything, none of these have a co-applicant or primary other than myself. Sorry, again!
  3. Thanks for the bit about the inquiries, I'll leave them be. I got PAPER reports today, however I didn't realize there were four...? Did I read that correctly? Yes, as I found out, paying those accounts won't make it positive - I had a moment of regret for just dropping all that money at once but, as you said, it'd be required for the mortgage underwriting process anyway so I still feel like I made a step in the right direction. There were not out of SOL, no. VA is 6 years and only 2 of them are approaching that mark, within the next 4-5 months. Everything else is within the lat 3. I have not tried the GW letters as yet. I've lived quite a few places in the last 10 years (MD, VA, CA) so I'm pushing forward with Why Chat's guide to removing addresses. I'll looking more into the GW letters today! Thanks so much for taking the time out to respond, really means a lot.
  4. Hi All! I'm a new member but have been following along the forums for some time now - attempting to implement bits and pieces that I'm confident enough to do, but I need some help here, please! So here's my intent + my goal by the end of the year. I have several Charge-off accounts and collections + repossession and quite a few inquiries over the past few years that I'm trying to get removed. My fiancé and I recently applied for a loan for a house & were pre-approved by our debt - income however, it was contingent on me tasing my credit to (at least) 640, where it qualifies for a first-time home buyer, which we both are. Note* I recently came into some funds which I used to pay off/settle 98% of the accounts on my file. Paid between 7/14 and 7/17 this year (So within the last week or so). Totaling about $16k. Here is where I'm at: Fico 8 scores as of July 23rd, 2020 TU: 572 Cap1 AU $500 Limit $235 - 6 lates, now current. Cap1 AU $500 Limit $0 - 6 lates as above however, Card was/is restricted w/ no option to be unrestricted. Paid off 7/17/20 - Current OpenSky AU $1,000 limit $39 (Lender advised I open 2 secured cards to show payment history, this is one) - Current, never late. First Progress AU $500 limit $0 (2nd secured card I acquired from lender recommendation) - Current, never late. Self Lender Loan AU - $840 amount $617.53 balance - Current, never late. Self Lender Load AU - $580 amount $482 balance - current, never late. Student Loans USDOE/GLELSI - AU - $15,915 balance - Positive - never late BMW FS - AU/CO/REPO - $10,673 - Settled for less on 7/15/20 - Late 30/60/90+REPO BMW FS - AU/CO/REPO/ - Repossion; redeemed - traded vehicle in 05/2017 - late 30/60/90-REPO;REDEEMED Milestone CC - CO - $937 Balance - Settled 7/15 Merrick Bank CC - CO - $916 Balance - Settled 7/15 First Premier CC - CO - $725 Balance - Settled 7/15 Lead Bank - Closed - $545 Balance - 1 late - negative remark Avant loan - $2,500 - Closed - settled for less 7/15 - 5 lates Fingerhut CC - $480 - CO - settled for less 7/15 Credit One CC - CO - $879 Balance - settled 7/15 Sprint - $1,031 - CO - settled for less 7/15 Cashnet USA - CO - settled for less 7/15 Inquiries: MAI - not entirely sure - 5/15/19 Premium CB - CC denial - 6/3/20 DARCARS - Auto loan denial - 4/15/19 CAP One - CC denial - 11/5/19 BofA - CC denial - 10/8/19 CREDCO - Home Loan - 7/16/20 CPS - Auto Denial - 4/22/20 CROSSRVR - Auto Loan Denial - 10/22/18 CREDITPLUS - Home Loan - 7/18/20 SYNCB - CC denial - 12/5/18 SYNCB/PAYPAL - CC Denial CB INDIGO - CC Denial EX: 563 Everything Same Cap1 AU $500 Limit $235 - 6 lates, now current. Cap1 AU $500 Limit $0 - 6 lates as above however, Card was/is restricted w/ no option to be unrestricted. Paid off 7/17/20 - Current OpenSky AU $1,000 limit $39 (Lender advised I open 2 secured cards to show payment history, this is one) - Current, never late. First Progress AU $500 limit $0 (2nd secured card I acquired from lender recommendation) - Current, never late. Self Lender Loan AU - $840 amount $617.53 balance - Current, never late. Self Lender Load AU - $580 amount $482 balance - current, never late. Student Loans USDOE/GLELSI - AU - $15,915 balance - Positive - never late BMW FS - AU/CO/REPO - $10,673 - Settled for less on 7/15/20 - Late 30/60/90+REPO BMW FS - AU/CO/REPO/ - Repossion; redeemed - traded vehicle in 05/2017 - late 30/60/90-REPO;REDEEMED Milestone CC - CO - $937 Balance - Settled 7/15 Merrick Bank CC - CO - $916 Balance - Settled 7/15 First Premier CC - CO - $725 Balance - Settled 7/15 Lead Bank - Closed - $545 Balance - 1 late - negative remark Avant loan - $2,500 - Closed - settled for less 7/15 - 5 lates Fingerhut CC - $480 - CO - settled for less 7/15 Credit One CC - CO - $879 Balance - settled 7/15 Sprint - $1,031 - CO - settled for less 7/15 Cashnet USA - CO - settled for less 7/15 Inquiries: MAI - not entirely sure - 5/15/19 Premium CB - C denial - 6/3/20 DARCARS - Auto loan denial - 4/15/19 CAP One - CC denial - 11/5/19 BofA - CC denial - 10/8/19 CREDCO - Home Loan - 7/16/20 CPS - Auto Denial - 4/22/20 CROSSRVR - Auto Loan Denial - 10/22/18 CREDITPLUS - Home Loan - 7/18/20 SYNCB - CC denial - 12/5/18 SYNCB/PAYPAL - CC Denial CB INDIGO - CC Denial EQ: 571 Everything Same Cap1 AU $500 Limit $235 - 6 lates, now current. Cap1 AU $500 Limit $0 - 6 lates as above however, Card was/is restricted w/ no option to be unrestricted. Paid off 7/17/20 - Current OpenSky AU $1,000 limit $39 (Lender advised I open 2 secured cards to show payment history, this is one) - Current, never late. First Progress AU $500 limit $0 (2nd secured card I acquired from lender recommendation) - Current, never late. Self Lender Loan AU - $840 amount $617.53 balance - Current, never late. Self Lender Load AU - $580 amount $482 balance - current, never late. Student Loans USDOE/GLELSI - AU - $15,915 balance - Positive - never late BMW FS - AU/CO/REPO - $10,673 - Settled for less on 7/15/20 - Late 30/60/90+REPO BMW FS - AU/CO/REPO/ - Repossion; redeemed - traded vehicle in 05/2017 - late 30/60/90-REPO;REDEEMED Milestone CC - CO - $937 Balance - Settled 7/15 Merrick Bank CC - CO - $916 Balance - Settled 7/15 First Premier CC - CO - $725 Balance - Settled 7/15 Lead Bank - Closed - $545 Balance - 1 late - negative remark Avant loan - $2,500 - Closed - settled for less 7/15 - 5 lates Fingerhut CC - $480 - CO - settled for less 7/15 Credit One CC - CO - $879 Balance - settled 7/15 Sprint - $1,031 - CO - settled for less 7/15 Cashnet USA - CO - settled for less 7/15 Inquiries: MAI - not entirely sure - 5/15/19 Premium CB - C denial - 6/3/20 DARCARS - Auto loan denial - 4/15/19 CAP One - CC denial - 11/5/19 BofA - CC denial - 10/8/19 CREDCO - Home Loan - 7/16/20 CPS - Auto Denial - 4/22/20 CROSSRVR - Auto Loan Denial - 10/22/18 CREDITPLUS - Home Loan - 7/18/20 SYNCB - CC denial - 12/5/18 SYNCB/PAYPAL - CC Denial CB INDIGO - CC Denial Any assistance would be greatly appreciated! Thank you in advance.

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