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ch1c

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  1. Wow, thank you for responding to each issue! I am reading and digesting everything you said. This forum is awesome! I am re-working on a binder to keep for my credit repair journey. I started one two years ago, but never kept up with it. Thank God I still have in my home office, it’s time to start from scratch. Also, that excel sheet is a great tip! Definitely will add that to the list.
  2. If this is better suited in the BK forum, yes please move. I wasn’t sure which forum to post to, I had two windows open with the same post in both sections trying to debate which one submit lol. Thank you all so much for this advice, I want to cry lol!
  3. Ok I will continue reading the boards, and searching for stories. That does help sort of guide me and also serves as motivation. I know everyone’s journey is different but, at least it’s a start.
  4. Thank you for responding! The lates are all before the bankruptcy. I need to look at the dates and see when they are due to fall. Accounts fall off starting from the first date of delinquency?
  5. Hello all, I filed bankruptcy last year and was discharged 7/20/17. Good news I guess - but my scores still suck, currently my TU and EQ scores are in the low 500s. My EX score was at 600 last time I checked. I have floated in and out of this forum and other websites looking on how to start the rebuilding process and just end up feeling overwhelmed. I aspire to have better credit, just don’t know where to start and feel kind of hopeless. I thought perhaps I should start a thread for advice and to even maybe motivate me. I have done some online disputes here and there but, haven’t been very diligent about the whole process. Also, online disputes seem to be a miss for me unless I am having addresses removed (EX excluded). Since the discharge, I have been approved for a few store cards which I don’t use...but that doesn’t help my score at all. So here is an overview of what’s left on my credit files: 1st off - I have two bk reporting on my reports. One was dismissed, which is from last year because my attorney had an issue getting the fee in on time (negligence on her end). The court had to open another case, which is the case that is discharged. 2nd - All of the accounts included in bk are reporting correctly except for DCU and a CapOne acct - I disputed and the CRAs said these accounts are valid! I should add that I did it online, which was probably a big no no. Can I redispute by mail along with my discharge papers? I should add that I burned CapOne, NFCU, Credit One, Chase, Penfed, and DCU. Not sure what options that leaves me with for the secured/bk friendly card route. Discover did approve me shortly after the discharge for a secured card but, I never gave the security deposit. I think I wasn’t really ready and didn’t want to get the card without knowing how to use it to benefit my scores. 3rd - I have some accounts that were not included in the bk that have lates, along with a student loan (Perkins loan being handled by ESCI )that has lates. These lates are a drag and I am trying to figure out how I can have them removed. I also have a paid charge off on my account. I tried consolidating the Perkins loan which is defaulted, the consolidation fell through. What else can I do? 4th - I have tons of inquiries on my reports, because I go on random app sprees hoping for a break that will never happen. Should I bother to have these removed? I am starting from scratch now and have ordered my TU and EQ report by mail today. Trying to also order EX, they said I need to mail information to them when I called the auto system. I suppose my overall issue and question is - How can I increase my scores when I have two bankruptcies reporting and a bunch of lates, plus one paid charge off? Do I need to wait until these things fall off before even working on my reports? My credit files suck and I am stuck, any help is appreciated. I wasn’t sure if I should put more detailed info on my accounts but, if I need to - I can (minus my personal info of course)
  6. ch1c

    Overwhelmed...

    HoustonLynne your encouraging words are helping me even more - thanks *hugs* I was able to place my ACS loan (now with ECSI) in rehab thanks to the advice over in the student loan forum. I am realizing this may take some time to repair, but I am remaining hopeful.
  7. ch1c

    Student Loan Help

    Thank you for your help. I was able to put the loan in rehab for 9 months - paying $46/mon. The representative told me that after 9 months, the lates would be removed off my report - are ALL the lates removed? I am suppose to receive a copy of the agreement in the mail that I must sign.
  8. ch1c

    Student Loan Help

    The ACS loan has been sent to ECSI (couldn't add/update to my last post)
  9. ch1c

    Student Loan Help

    Thank you for your response and leading me to that website! I have a direct consolidated subsidized loan with Navient. Balance is $31,250 I have a direct consolidated unsubsidized loan with Navient. Balance is $22,340 Both loans are current. I pay $211/month to Navient towards those loans. The ACS loan has defaulted. Should I try rehabing?
  10. ch1c

    Student Loan Help

    My questions are bolded. I want to pay them and clear my report
  11. Hello all, Trying to tackle these student loan baddies on my reports and need some advice on the steps I should take. I have a school loan that was under ACS that is past due: ACS H***** University Student Loan $1013 current due 120 days past due / min payment $42 opened in 2004 LATE 30 DAYS 6 times 5 times (Nov 2012, Sep 2012, Nov 2011, Jul 2011, Jun 2011) LATE 60 DAYS 2 times 2 times (Dec 2012, Dec 2011) LATE 90 PLUS DAYS 30 times (Feb 2015, Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013, May 2013, Apr 2013, Mar 2013) WORST DELINQUENCY 120+ days past due HIGH BALANCE $4,000 I contacted them some months ago to see about making a payment arrangement, I was told to contact my school. I did several times but, never heard back from them. I even wrote the school a letter requesting a payment arrangement - no response. What should I do about this? Also, I received a statement from another company saying that this loan is now under them (the statement is at home, I will update the post when I get back home). Also, I have a Dept of Ed loan that has lates but reporting as paid and closed in 2010. I'm supposing this is my consolidated and unconsolidated loan but, I am unsure why it is showing as paid and closed? Should I dispute with Equifax (only shows on that report)? US Dept Student Loan LATE 30 DAYS 0 times - - LATE 60 DAYS 2 times (Dec 2009, Jan 2009) - - LATE 90 PLUS DAYS 7 times (Jan 2010, Jul 2009, Jun 2009, May 2009, Apr 2009, Mar 2009, Feb 2009) - - WORST DELINQUENCY 120+ days past due - - HIGH BALANCE $44,509
  12. ch1c

    Overwhelmed...

    You are absolutely right. I was going in the right direction this time just last year! Life did happen...and I fell off I even successfully removed a medical collection off my report thanks to WhyChat! So now, I'm trying to figure out the next step to take. This is really the hardest part. Since my student debt is a big contribution to my low scores - should that be my first move?
  13. ch1c

    Overwhelmed...

    Thanks for the advice Tweak. I definitely plan to get off Myfico because I can't afford the monthly fee right now. Thanks cashnocredit. Current balance on the ACS Loan: $1013 120 days past due / min payment $42 opened in 2004 I have a consolidated and unconsolidated loan with Navient - current combined bal $53,965. The Dept of Ed loan that is on my report with lates shows as paid and closed. The balance was $44,509 - I don't even know which loan that is, I'm guessing it was the consolidated & unconsolidated loan. I went into forbearance around that time after not being able to make consistent payments. Right now I have 3 student loans - Consolidated/Unconsolidated with Navient, Sallie Mae loan with Navient, and ACS loan (well no longer ACS, sold to another company...I have to pull that bill). For the former ACS loan, the school is reporting to the CRAs.
  14. ch1c

    Overwhelmed...

    I appreciate your reply, I'm at tears right now. Thanks for the encouragement
  15. ch1c

    Overwhelmed...

    I am feeling a bit overwhelmed and really would appreciate some guidance. Basically, I want to get the ball rolling on this credit repair but, I feel financially strapped and confused on where to start. I had a miscarriage earlier this year so, I have medical bills coming that I need to pay before I have more dings to my credit report. My plan is to get on payment plans for GYN visits and my surgery balance (I have high deductible with my insurance). I want to pay off my credit cards and lower my utilization, but I have SO many lates on my report...I'm talking 30, 60, 90, 120, AND 150 lates. How can I fix those? Is it beyond fixing? Even if I start making consistent payments...my credit will still look like crap. I feel like I am in a hole I can never climb out off. I take home $1300 every two weeks - how can I manage this AND utilites, car loan payments, and daily living? Let me just post my info before I have a nervous breakdown. Warning, it is alot and shameful. My Fico scores: EQ 586 TU 582 EX 581 Baddies: (FYI - all CCs are/were over the limit) Credit One: $450 / current balance $762 - account closed by bank LATE 30 DAYS 2 times (Sep 2014, May 2012) LATE 60 DAYS 1 time (Oct 2014) LATE 90 PLUS DAYS 1 time (Nov 2014) Orchard Bank (now Cap One) - sent to Porfolio Recovery Asc - owe $472 (arranged payment plan with them). Now owe $273 - pay $93.15/month CC Limit was $300 / account closed in collections. Shows as charge off on reports LATE 30 DAYS 3 times (Mar 2013, May 2012) LATE 60 DAYS 2 times (Apr 2013, Jun 2012) LATE 90 PLUS DAYS/120 DAYS 21 times (Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013, May 2013) NFCU - 3 90/120 day lates reporting from 2009 / account was closed. $1000 limit - paid in full Jan 2014 Merrick Bank - paid in full 2012 / account is closed $1000 limit 30, 60 lates reporting LATE 30 DAYS 4 times (Dec 2009, Nov 2009) LATE 60 DAYS 2 times (Jan 2010, Dec 2008) Capitol One - paid in full 11/2014 $1000 / account closed 30, 60, 90, 120 lates reporting from 2014 LATE 30 DAYS 5 times (May 2014, Apr 2014) LATE 60 DAYS 7 times (Aug 2014, Jul 2014, Jun 2014) LATE 90 PLUS DAYS 7 times (Nov 2014, Oct 2014, Sep 2014, Mar 2010) WORST DELINQUENCY 120+ days past due Discover - paid in full 4/2015 $1000 / account closed LATE 30 DAYS 8 times (Mar 2015) LATE 60 DAYS 2 times LATE 90 PLUS DAYS 3 times (Feb 2010, Jan 2010) WORST DELINQUENCY 90 days past due Bank Of America - paid in full in 2011 $800 / account closed LATE 30 DAYS 3 times (Aug 2009, Apr 2009, Nov 2008) LATE 60 DAYS 1 time (Dec 2008) LATE 90 PLUS DAYS 1 time (Jan 2009) WORST DELINQUENCY 90 days past due Paypal Buyer Credit - paid in full March 2015 $700 / showing as charge off on EQ & EX LATE 30 DAYS 9 times (Feb 2014, Jan 2014, Dec 2013, Nov 2013) LATE 60 DAYS 5 times (Apr 2014, Mar 2014) LATE 90 PLUS DAYS 10 times (Feb 2015, Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014) WORST DELINQUENCY 120+ days past due I C System Inc - Collections reporting to all three for RCN/Cable ORIGINAL LENDER Rcn Corporation ORIGINAL BALANCE $304 CURRENT BALANCE $304 STATUS Account seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department DATE ASSIGNED Jun 19, 2014 US Dept Student Loan (now consolidated) on EQ LATE 30 DAYS 0 times - - LATE 60 DAYS 2 times (Dec 2009, Jan 2009) - - LATE 90 PLUS DAYS 7 times (Jan 2010, Jul 2009, Jun 2009, May 2009, Apr 2009, Mar 2009, Feb 2009) - - WORST DELINQUENCY 120+ days past due - - HIGH BALANCE $44,509 ACS H***** University Student Loan LATE 30 DAYS 6 times 5 times (Nov 2012, Sep 2012, Nov 2011, Jul 2011, Jun 2011) LATE 60 DAYS 2 times 2 times (Dec 2012, Dec 2011) LATE 90 PLUS DAYS 30 times (Feb 2015, Jan 2015, Dec 2014, Nov 2014, Oct 2014, Sep 2014, Aug 2014, Jul 2014, Jun 2014, May 2014, Apr 2014, Mar 2014, Feb 2014, Jan 2014, Dec 2013, Nov 2013, Oct 2013, Sep 2013, Aug 2013, Jul 2013, Jun 2013, May 2013, Apr 2013, Mar 2013) WORST DELINQUENCY 120+ days past due HIGH BALANCE $4,000 Todd Brewer Lawson Collections - school tuition bal sent to collections / on TU report. I am on payment plan with the CA ORIGINAL LENDER - H***** University ORIGINAL BALANCE - $2,186 - CURRENT BALANCE - $1,226 - STATUS - Collection account - DATE ASSIGNED - Jul 21, 2011 - ACCOUNT NUMBER - XXXXXX - ACCOUNT HOLDER - Individual - DESCRIPTION - Placed for collection Verizon account showing as charge off on Experian from 2009 - I have to pull my pdf file to get the amount. It is not showing on myfico report. I ordered mail-in copies of my credit report on yesterday from all three CRAs. Creditboards, please help me - where can I begin?

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