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  1. Spouse was in car accident three years ago requiring hospitalization & full recovery. Slow pays led to multiple lates on student loan, multiple small collections on utilities, one judgment on 29% car shark loan & repo of vehicle (we turned it in). Journey to credit rebuild after paying off Original Creditors began by online dispute of inaccuracies. We successfully deleted four small collections and one judgment from EX, resulting in a 54 point leap in FAKO; two more baddies remain, on EX. The same inaccuracies are on the other two CRA's but we have read CB and are starting with removing old addresses first. We have since read up on deleting old addresses and sent in address deletion requests today. Spouse is now an AU on a $4,000 Credit Union 1 Mastercard Classic (did not require SI or HI). also an AU on $16,000 USAA World MC & $1,100 Discover card. After baddies, cleaned up; we hope to jointly secure mortgage. Stay tuned.
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