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Help me big please


The last post in this topic was posted 3376 days ago. 


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Hello all,
It seems like forever since I have been here. In fact, it has been a few years I believe. A few moons ago, I got started repairing my credit and suddenly a divorce popped in front of me, then homelessness, and now I'm back on my feet with a great job and a place to live with extra money rolling in. My credit is still terrible and I really want it to be better.


In the past I got as far as sending validation (or was it verification?) letters to the CRA's through CMRRR and got several replies back saying they were verified. I no longer have these documents, though. I had opted out at the time and I believe that is still in effect? Also, I had all my old addresses removed I think, but I live at a new address (obviously, if you read my previous paragraph). I have done some extra damage to my credit while I was homeless. I did some ATM fraud with depositing empty envelopes and withdrawing pre-approved cash. I also over-drafted a few banks (I have a hard time remembering which ones?). I can no longer own a checking account (I have a US Bank Contour account that my paychecks go into). ChexSystems (Or is it Telecheck?....Probably both) hate me. Maybe I've done more damage on top of that, hard to remember.

Regardless, I am past that. Please slap my wrist and tell me I screwed up in a quick fashion if you don't mind. I believe that my best course of action is to get a copy of my credit reports first and foremost. I think I should also obtain both Telecheck and ChexSystems records as well. My questions are as follows:

  1. What is the best place to get credit reports currently? Scores are not important to me at all right now I believe, just the report. I believe I have already used my free annual credit report within the last 8 months.
  2. How do I go about getting ChexSystems and Telecheck reports?
  3. Is there something I should be doing before this?

Thanks, and I hope that with your advice, I can follow through with my commitment this time.





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The last post in this topic was posted 3376 days ago. 


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