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  1. I have been a member of this board since Feb of this year and since that time, I’ve been reading, reading, reading… a little posting and more reading. Prior to joining CB, I had been on a 6 year credit hiatus. No applications, no purchases on credit…nothing. Why, you ask. Well, simply put 2007 was a very bad year for me financially. During that year my income was cut in half, I begin missing payments which was followed by repossession foreclosure, bankruptcy…basically financial ruin. But through it all, I survived, my marriage survived so no complaints over here. Fast forward to August
  2. So when I was 18, I had a bank account with Wells Fargo for school, that my Grant went into. I was young and careless, and I spent beyond my means. Overdrafting several times. When I stopped going to school I never made another payment and now I'm stuck. I have this Wells fargo account in collections, it's been that way for 4 years, I have a Victoria's secret account that I've made a payment on in the past but can't find the information for seeing as I've moved since that's been there for 4 years as well, and as of 2013 I've got a 12k medical bill from being sent to the hospital and held there
  3. Hello, I ran across the following article on myfico.com... seems to be very legitimate way of rebuilding one's credit score to 700+ post-bankruptcy. Please see: http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/m-p/1384075/highlight/true#M9218 If anyone has a successful plan that they have followed, kindly post. I am currently preparing paperwork to file my Chapter 7 Bankruptcy case; I plan to use this method post-discharge to rebuild my credit. If I posted this in the inappropriate place, I apologize. I am new and am still navigat
  4. Hello everyone... I've been member here for over a year now and I've been reading and reading every situation and scenario, that I know I can used it as a tool on my own success and thank you to all of you. I will start about my credit 8 years ago it is very very bad and I'm the one who is responsible about it and I did ruined it badly, I have no knowledge about my credit score and I was so clueless and iresponsible in my own financial. About 5 years ago when I became more aware and I would say matured I'm so mad at my self that my credit score is around 400 no one want to give me any credit
  5. Is there a way to rebuild my credit without buying a secured card?
  6. Hello everyone, I thought I would start one big thread to put my journey on paper like so many others here. I have a dream and wish that one day I will have CREDIT, CREDIT CARDS, will be able to buy a home of my own and walk in an buy a car without the haggle of "bad" credit and HIGH rates out the whoohaaaaa.... I am starting at ground zero. I had a tiny bit of credit when I was 18-20 and then let it go to crap town when I met a very abuvsive true sociopath that controlled me for many many years. I am finally free of that relationship, just exited out of a battered shelter into a
  7. Hello Everyone - it is Oct 1, 2014 I have been lurking on this site for a bit and finally decided to register and post my own struggles and seek advice. I just graduated from college in June and got a job in August and make a decent salary; I'm able to save about $1000-1500/mo after regular bill payments, depending on how frugal I am. I also live in California where the SOL is 4 years. I have opted-out and am in the process of calling the CRAs to remove old addresses. I haven't gotten any real reports, annualcreditreport.com gave me "We were unable to honor your request. " I am
  8. Hi all! As someone who has recently found creditboards and has started my repair journey, i am in need of some guidance because i'm feeling really lost. I posted a topic in the Canadian finance section as I am from Ontario, and it has gotten no replies I have 2 credit card charge off's. Charge off 1 DOLA is 06/26/09. Charge off 2 is 09/23/10. In Canada I believe accounts fall off in 6 years from these dates. My idea is to report as obsolete early 2015 for charge off 1, but i need advice for charge off 2. I, like most people have started this journey to get approved for certain things com
  9. Hello Credit boards, i have started my credit repair journey a couple months ago because i have a credit score of 489 and have read the psychdoc's document for beginners, numerous boards on here and reddit and have even sent some letters off. However, between reading American advice and trying to apply it to my own situation, i am getting lost in deciding what to do about a few very sore spots on my reports that are holding me back immensly. I was wondering if anyone could help? I have two R9 charged off credit cards on my CR's with EX and TU. They are fairly old and there has only been one
  10. Hello, I have been working on my credit repair for almost six months now. I have been able to have all the medical deleted from TU but still having a problem with EX on the same CA. I have opted out on the CRA's when I first started the process. I have went through all the steps you have before I joined this forum. Where I am at this point is I sent a letter to the CA stating no admission to the medical bills but made an offer to pay a portion of the billings if they deleted from my credit report if they agreed to put it in writing and send back to me in 15 days from the date of the letter
  11. Dear credit hoarders, My DW thinks that I'm obsessed with CB, saving money, credit repair and getting new credit lines. But I only have 10 credit cards and spend 1-2 hours per day on CB. I check CB the first think in the morning and last thing at night. She insists that CB is making me have nightmares about debt, baddie disputes and inquiry attacks. She said I wake up in the middle of the night many times screaming: "no, no... no HP on EX please, no". She has also noticed I shout random things like "boom boom time" during our morning commute. She thinks I should see someone about it. T
  12. Hi, I'm a Newbie and this site was reco'd by my BF bc I need to work on my credit. I wrote down my credit score goal as 750. I was told once, if it's written its real. That kept me on top of goals in life and has been a successful tool in my life thus far. It's pretty much a twist on a vision board. Anywho, with all that said, I would love opinions and recos on what, how, and when I should do certain things to reach this goal. I have read difft posts, but there is so much info that helps, but also pushes me one more step away from achieving my goal bc I just don't understand certain thi
  13. im starting my credit journey i just order my credit report cant wait to get it so i can start fixing my credit........is there in credit tips to help boost my score its a 569
  14. Hello All, It's been a while since I've been on here and unfortunately my credit situation is much worse than it was the last time I was around. FICO scores used to be in the mid to high 700's, but now they are hovering around or just below 600. I went through a rough patch in the income situation and built up ~ $50K in credit card debt. I started working with a non-profit debt management program (Greenpath - very happy with them) to get back on track and get things paid off. I have/had many late payments (30/60/90/120, etc), several charge-offs, and one account that was sold to a collec
  15. Not sure if I'm posting in the right section. I worked for a credit repair company for the past 2 years. They did credit repair for $800.00 - $1500.00 per client. I have beening teaching people for the last 4 months how to get all accounts removed from their credit report for $200.00 from all three bureaus. If anyone is interested please contact me.
  16. So I am completely new to this forum, I have read over WhyChats page and before I started on his program, I just wanted to make sure his guidelines are for my situation. I am just stressed that some of these creditors are going to try and take me to court for this when I go and try to dig up dirt and disputing some of this. I am 24 and I have another baby on the way so my husband and I are trying to get into a home, but of course we have to fix our credit first. Here is what my credit is looking like: TransUnion: Capital One Opened 9/12/2010 Last payment made 08/27/2013 Original Char
  17. Last week I called Capital Bank regarding my one and only late payment with them, a 30-day late from 6/11. The very nice woman told me she'd check with her supervisor and I didn't hear anything back. So I decided to give it another try today. Called and spoke to a woman who responded with that whole BS line about how the FCRA required them to post all activity whether it was positive or negative, yada, yada, yada. She wouldn't even speak to her supervisor and gave me the address for disputes. I was pretty bummed after the conversation. And if it weren't for CB I probably would have sto
  18. Hello! So I will get right down to it. I have had the Open Sky secured card for about 3 years now. This was originally owned by Public Savings and now Capital Bank has took over. I have a 30-day followed a few months later by a 30-60-90 showing my credit report. I am not disputing the first 30 day, but this was my first late payment and after I caught it I signed up for auto-bill pay on the website, but for whatever reason it did not stick so I have no proof to support that. I have called many times regarding a good will adjustment, but keep getting the run around. Here is my question...
  19. I pulled a 3-in-1 credit report provided by Experian. I can't believe it! Citi Auto keeps moving back the dates on my loan so it will never fall off my credit! The truck I bought was charged off and repossessed. My best guess is that I stopped paying around 2005, it was charged off in 2006, and was repossessed in 2009. I *think* that the history is based on the last payment I made in 2005 or the charge-off in 2006. I don't have any of the paperwork on the truck or a payment register. As far as I can tell, Citi Auto and CitiFinancial Auto are the same company. Whatever the name, t
  20. Hi everyone, I am trying to be a first time homebuyer but my credit isn't great. My scores on Credit.com and CreditKharma.com are at 588 and the Experian Plus Score is showing at a 527. I called a bank and asked the minimum criteria for a loan, they said they wouldn't even look at an applicant under 600. So here are the issues on my report and how I have tried to fix them/plan to fix them this month. 5 active credit cards- Oldest open in 2010 Never late-$1500 limit $1503 balance-Paying this off in full on 7/3- due date 7/9 and statement close date is 7/12 Never late-$750 limit $746
  21. Hey Everyone, I could really use your help on my DH's report. He finally realized that avoidance doesn't solve problems. So we are tying to get things in order and fortunately, it's not as bad as I thought. I've sent in and called to get all the old addresses removed. Because he was in the Navy, it was a LOT! I got a copy of the reports and this is what is listed. I also diputed them after getting address removed and they were verified, so what's next? I've read through the info and i'm thinking I should send a verification letter to the CA, but I wanted to get some thoughts on what I sho
  22. I have been trying to remove capital one and municipal credit union new York city closed account. They were secured cards and closed because was late two times on each card. Payed what I owed and closed the account. I have been disputing for three months and wont budge. Please can anyone help. Don't know what to do.
  23. So, at long last, my first absolutely clean credit report. I'm particularly happy to be rid of Wells Fargo which has been a royal pain in the patootie for several years. Thanks to the 5 year NY rule that's gone and good riddance! So all I've got on there now are positive TLs and 2 INQs. Neither the new CapOne CC nor the new PayPal CC show up on this report - though I've been able to link the new CapOne to my other CapOne CC in CreditKarma... Also, I was looking at the soft pulls and see that a few CAs or JDBs have pulled my report in the last couple of months (since I requested my
  24. Here's how I use the LAW to fairly and legally dispute anything off your credit report: Many have asked, “ How is your credit repair method different from the rest”? Well here’s how, keep reading: Here’s the truth, over 70% of credit reports have errors in them . The vast majority of negative items on a typical credit report are in fact VALID. Therefore, simply disputing all the negatives on your report using a traditional disputing process, will be “verified” by the credit reporting agencies and remain on your credit file. Nothing will change. For this reason, many people falsely believe th
  25. Ok so I've researched this board constantly and began my latest repair journey about 5 months ago... I fell into a deep hole back when the recession hit and am trying to make amends. Heres what I'm working with: I have 8 cards reporting, 1 from BofA ($8,500 CO as of 11/10), 1 from Target ($500 CO as of 8/10), Care credit (no balance reported, transferred '10), PayPal (no bal reported, transferred '10), HSBC ($1,000 CO 12/10) HSBC ($400 CO 12/10), Macys ($2,500 CO 12/10), Discover ($3,400 CO 11/10). These all had collection agencies attached to them. Thanks to this board, I managed to get
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