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Rebuilding Credit - Advice Please


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14 hours ago, Brandon1008 said:

I had a 6k charge off when I started this thread, but had to pay off "settled for less" to buy my 1st home.

 

Last activity is 1/2016, so idk if that started the time of removal from my reports over?

 

Last activity doesn't matter. 

 

The TL should convert to a positive TL after 7 years from DOFD.

 

What is the DOFD for the Capital One CO?

Edited by cv91915
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7 hours ago, srloring13 said:

If you paid DirecTV directly then the collection company should remove their entry from your credit report. Have you tried disputing the collection and/or requesting DirecTV recall the collection/account from the collection company.

Sent from my SM-N950U using Tapatalk
 

Yes.  I tried with TransUnion and got......

FOCUS MGMTReported on Nov 13, 2017
$206

Item Results

Result: Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity.

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2 hours ago, cv91915 said:

Last activity doesn't matter. 

 

The TL should convert to a positive TL after 7 years from DOFD.

 

What is the DOFD for the Capital One CO?

 

Ok, let me see about getting my real reports and checking the DOFD.  Its for TCM Bank.

 

Thanks!

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On 8/7/2018 at 9:27 AM, Brandon1008 said:

 

Ok, let me see about getting my real reports and checking the DOFD.  Its for TCM Bank.

 

Thanks!

Ok, I got all 3 reports.... my CO was removed from TU, but its still on EX & EQ.

 

DOFD is 2/2013 according to there reports.

Edited by Brandon1008
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  • 6 months later...

My open trade-lines as of MAR 2019:

 

 

  1. AMEX Everyday      $ 26,500
  2. NFCU $Rewards     $ 25,000
  3. SYNCB/Lowes        $ 17,000
  4. ALLIANT Visa         $ 15,000
  5. BOA Merrill+          $ 12,000
  6. CHASE Freedom     $ 12,000
  7. BARCLAY Arrival     $  8,550
  8. BARCLAY AAviator  $  8,000
  9. CAP1 Savor             $ 10,000
  10. CAP1 QS Rewards   $  8,000
  11. CITI MileUp             $  5,000
  12. CITI Double Cash    $  4,100

 

Total Credit:     $ 151,150.00

 

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55 minutes ago, Brandon1008 said:

My open trade-lines as of MAR 2019:

 

 

  1. AMEX Everyday      $ 26,500
  2. NFCU $Rewards     $ 25,000
  3. SYNCB/Lowes        $ 17,000
  4. ALLIANT Visa         $ 15,000
  5. BOA Merrill+          $ 12,000
  6. CHASE Freedom     $ 12,000
  7. BARCLAY Arrival     $  8,550
  8. BARCLAY AAviator  $  8,000
  9. CAP1 Savor             $ 10,000
  10. CAP1 QS Rewards   $  8,000
  11. CITI MileUp             $  5,000
  12. CITI Double Cash    $  4,100

 

Total Credit:     $ 151,150.00

 

Lots of progress...  Keep it up.  :good: 

Edited by cv91915
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