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  1. Hello friends. I'm so glad to be here! Thanks for having me. My Creditkarma score is 555. I know that's not FICO, but it's going to be terrible regardless. I'm 28. So my credit right now is a mess. I've dabbled in trying to fix it, but I really want to make some serious progress now. I'll try to be succinct yet thorough. Credit utilization, payment history, age of credit history, and credit inquiries receive "A" marks on the report card thing. Total accounts (3 accounts) is D. Derogatory remarks (1 + 1 in collection) is B. Overall grade is F, obviously. The following 5 are my baddies. 3
  2. I have a total of three (3) State Tax Liens on 2 or more of my credit reports. This information is killing my score and any chances of getting my APRs reduced or credit limits and or new approvals. (Still in review process - things still murky). Trying to clean up as much as possible without causing any inquiries and would like to raise my score within the next 30 days as much as possible. My overall status is a high debt ratio. However, I am under the 45% mark with my part-time income. Each week, I will get the majority of my credit cards to 30% availability on cards with a lower balanc
  3. If anyone can help me with advice, that would be great! So here's my story: I have been working my tail off for the last year to rebuild my credit. I really screwed it up in my teens/early 20's and I'm finally on the right path. It has been over 4 years since my last baddie and I have had a 15 month streak of on time payments. I have acquired quite a few credit/retail cards in the last year that have helped me bring up my score. (started with a CapOne secured card/ now have Nordstrom, Kohls, Kay's, VS, Express and recently a Barclay's card.) Anyhoo, I just had a baby and my employer swit
  4. I'm trying to clean up my CR and I see the a duplicate paid collection. Can you PLEASE advise on me on what I should do??? 1. Does that affect my score 2x? 2. How do I get these removed? I paid a credit repair company to get them removed but they only successfully removed the TL from Equifax. EX and TU both show duplicate TL
  5. I am currently trying to improve my credit score. I have made some mistakes in the past and am paying for it now. My credit score is currently 550, up from 510 in July. I currently have 3 accounts in collections, none of which will do pay for delete. 2 of them are hospital bills, one for 1330.00 and one for 470.00. I am currently disputing them, hoping that they will not reply back to transunion. The 3rd is a bill to Sprint that is also in collections. I owe 1200.00 and have negotiated them to do a settled in full amount of 517.00.... Is this a good amount and idea. I have other negative marks
  6. Hi all, This is my first post, as I am new here. My husband and I recently filed Chapter 7 BK and it has been discharged since September 2014, we are now wanting to rebuild our credit, our scores are both just shy of 600, (my husbands score shot up 87 points AFTER BK was filed...mine went up by 1 point...weird huh) We are thinking we will need to get a secured credit card, which is fine, but do not know who to go with? We currently bank at a local credit union and thought of going through them, but wanted to make sure it was reported to all 3 credit bureaus, So should we go for a MAJOR co
  7. Hello, I was pre approved for house and bank just accepted my offer last week, I received notification today that credit score dropped 28 points ONLY thing changed was alert saying "credit usage significantly increased 45%" it takes me to 608 score which is below 620 needed with lender for FHA. Spoke to loan officer and said yes it could affect me closing on home. My inspection is tomorrow so I have time, I paid off card today to $0 balance. Do you think I will be OK come closing?
  8. http://money.cnn.com/2013/03/11/pf/credit-score/index.html?iid=HP_LN
  9. So I need assistance dealing with Capital One, opened an account in 2011 to help rebuild my credit score after post-college debt. I was approved for $300 and always paid it on time. After returning to the country in 2012 from deployment abroad, I started using the card and paying it with a joint account I held with my grandmother. Capital One flagged for account verification and potential fraud. After several attempts to verify my account and identity through email, fax, and telephone. I gave up with a $0 balance on the account and I didn't recieve anything for 2 years from them, hoping they h
  10. http://www.nytimes.com/2013/05/04/your-money/credit-scores/vantagescore-ignores-paid-collections-in-setting-a-credit-score.html?pagewanted=all&_r=1& I hardly believe it - but then, it's a FAKO score think FICO will take this up?
  11. Hello all. New to the forum and have a question about credit score in the context of mortgages. I'm a soon-to-be first-time buyer, in my early 30s, recently married, and have approximately $6K in credit card debt that I've held on two cards for just under a year. I've cycled payments and purchases on both cards but they always lingered in the $2-3K range, which I believe is adversely affecting my credit score. I am now able to zero both of them out and am considering doing so as I would like to buy a house in the next 6-12 months. My wife and I have a combined gross income of approximately $9
  12. Hello! Credit Card Question! I currently have 3 open credit cards. 2 of the cards have a balance of $0 and a limit ranging from $100-$300.The last card I have happens to be the oldest card on my credit history with a limit or around $3000, however has an 89% utilization. I was added to this card to help build my credit while in college, however, was never the primary user of this card. Needless to say the 89% usage has not been a result of any charges I have made to the account. I was advised previously not to remove myself from this account because it was the oldest on my accou
  13. Hello All, I took a break from writing, just reading daily. The last update was that I had 3 CO... Since then First Premier gave me the option to re-apply for a new card and transfer the balance, which I did. Was that a wrong move? I also received my Capital One Secured Card in the mail. Two things maybe three things I need help with... 1. I opened an account with my local credit union and they informed me that my score is a 640 TU score... However, CK is stating 577.. Which one is accurate? I will be pulling my scores and reports to see how First Premier is reporting. 2. As I ment
  14. First, a little bit background of me: male, in early 30s, in good financial conditions, earning around 130K per year. I am always very careful of about my credit history, never missed a payment to credit card, car loan, utilities company. I check credit report regularly and the score is always at the high end of 700. However, chocolate still happens. One year ago, I made an unfortunate decision of joining a nearby gym before checking any Yelp review. Immediately after that, we have a lot of disputes over its billing. I don't want to go over all the details, it would be too long and boring.
  15. Hi all, I have some numbers I want to share to see if I can get some feedback. I posted earlier that in May I approved for mortgage, and since then I have a 30 day late report for a credit card. I am contacting the company with a goodwill letter to see if they will remove it, but if not, I don't know if I can qualify. My house in on the market. I have a house I'd like to buy. The house is listed at 319. I will have 20% down payment. According to my LO, here are the numbers for me today. He said that the numbers beside the + show that if I pay down my credit card debt, I will q
  16. Hi all, new here. I was approved for a conventional mortgage in May, with a credit score of 690. The seller backed out and that same week, I ended up needing to take care of an aging parent in another state; this was really stressful, and while I was gone, I made the unfortunate mistake of missing a payment with Carecredit. and now I have a 30 day late showing on my credit. It was a really bad oversight. Anyway, I am back in the market for a house again. I looked at CreditKarma and it says my score is between 639 and 665, which is a significant hit for one late payment. However, I checke
  17. I have a Capital One Secured Credit Card with a deposit/credit-limit of $2000. I deposited that much money into it in the hopes of bumping my score by having a lot of available credit and no balance. I have had this card for 2+ years now, perfect payment history and low balance, and am ready to remove it or convert it to a non-secured card. Unfortunately, Capital One can't just convert it, they said they'd have to close that account and create a new, unsecured one. Should I close this 2 year account, knowing that I need to finance a car within 1-6 months? What will the effect be on my
  18. I am fairly new to the credit world. I got a secured BOA credit card a year and a half ago which got upgraded 2 months ago to a standard card. I immediately applied for the BOA cash rewards and was approved. The new card came with a paper saying that my credit card was 750- what a pleasant surprise for me. About a month later I applied for a Chase card and I was denied with a credit score of 712. I don't know much about this, but that seems like a pretty substantial difference in a short amount of time. An added hard credit check wouldn't account for that much would it? I went and got my
  19. Hi,i'm here to ask you guys for counseling about my debt.I have a debt approximately 30-ish thousands. And i'm looking for a way to decrease it as low as possible.I want to pay it off,I do,but it's just too hard to do with this economy. I don't want to go bankruptcy because i know i can pay it off,just not all of it.Is there any way i can do that? I have a friend that did it,it went from 30 thousands to 15 thousands.But he moved and i lost his number so. Please help!
  20. So I got an alert just now stating that my Fico score dropped from 555 to 537. It was 545 on Monday then bumped up to 555 before dropping. I am checking my updated report and have an alert for every possible scenario including new inquiry and changes to accounts, however nothing visible has changed since Monday… I'm just wondering what could possibly cause daily fluctuations like this? Do the FICO computers work like slot machines churning out new 3 digit numbers when they feel like? I find it bizarre...
  21. My boyfriend's named similarly to his father (example: imagine his name is "Derrick James Jones," and his father's name is "Derrick Jarrod Jones"). There are a few items on his credit report that are his father's, who has medical issues, for example an unpaid ambulance bill. In order to get this removed, it says we need to write the companies with proof but I'm not really sure what that would include. Is there anyone who can give us any ideas about what to do? Thanks for any help you can give!
  22. Hi there, I'm new to this forum so please excuse any missteps in my explanations. My husband and I are looking at buying a house within the next year or so. I have very little credit as I have only had one credit card 3 years ago and it went to collections, for a balance of 400.00. (I worked for Dillard's and they made you get a credit card to get their discount.) I was young and dumb (still probably am) but I have since paid the amount off, not realizing that I could probably negotiate by paying and then having them take the collection off my credit report. All of the bills for my utilities
  23. It is a TransUnion FAKO, but FYI.
  24. I was able to successfully remove all 3 of the judgements off of TU. One of the Judgements is not mine so i knew that one would come off. EX shows two and EQ still shows 3. I am currently disputing these items with EQ and EX. Is there a way to successfully rebuild my credit with judgements listed. They are scheduled to remain until at least 2016. CC's I have CAP 1 - $500 limit- Just applied and approved last week, should i ask for CLI with a TU score of 645? CAP 1 Secured card $750 limit Macy's - AUTH USER $1200 Denied credit by Barclays and GECRB
  25. I understand that there are multiple models of FICO scores in use, as well as various industry "enhanced" scores. I also understand the difference between FICO/FAKO scores - and I'm beginning to feel that I have a grasp of what does what in relation to changing the various scores. One particularly weak point in my mind is what (if any) specialized score might come into play for Home Insurance. It makes perfect sense to me that auto enhanced scores weigh past auto installment loans more heavily, and that traditional credit scores weigh your history of revolving lines more heavily - seems
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