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Time to Begin from the Beginning

The last post in this topic was posted 2026 days ago. 

 

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Hi All,

 

I found this board by accident in Mid November and am so glad I did. I've been feeling quite a bit of despair regarding my bad credit. My bad credit forces me to live a life with very limited choices. I could give a heartbreaking story about why I am in this boat and tell you all about my ex-wife, divorce, custody etc and blame a lot of it on her. The simple truth is that I am to blame and I am the one who needs to fix it. What I like most about what I've read is the support given and genuine responses when good things happen. This is a great forum, and I can't wait to be a part of it.

 

I'm taking it slow in the beginning because there is so much information. I've read and re-read the "required" material from psychdoc, whychat, newbie forum etc. Because of the reading I've done, I decided in Mid December to first opt out, I pulled my reports from creditreport.com, and just today I called TU to ask for my old address to be deleted. It was simple and easy and I had a bit of thrill run through my veins when he said yes and then deleted my phone numbers as well. I know this is the low hanging fruit of the path I'm taking, but its a great feeling to be in control!

 

My next steps are to try for the deletion of my old address from equifax and experian, and then re-read all the info I've looked at in order to properly triage my baddies.

 

If there is one question I have to begin with, it's this: Is creditreport.com an "okay" place to get my initial CR's? I've seen a lot of talk about myfico. Should I pull from there instead?

 

I'm planning on being an active member in this forum and I look forward to talking with you and hopefully one day, offer my own advice as well.

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Welcome ... you're off to a great start!

 

I'm not familiar with Creditreport.com ... it's suggested here to get your paper reports directly from each CRA. Find a post by Ubercat or Whipster - they both have phone numbers in their siggies. You qualify for a free report if you've had any recent AA (denial for credit, for instance) -- so keep that in mind, too.

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Welcome, and you've made an excellent start with the old personal info deletions! :clapping:

 

As for your question about initial reports, the very best way to call each CRA and order a copy to be received by MAIL. Those are the most complete and accurate reports. Any good plan starts at the beginning and lays the most solid foundation, if one hopes to achieve the BEST outcome. Obtaining hardcopy reports by mail would be your ideal starting point. :good:

 

Looking forward to sharing more of your journey -- don't be shy about asking questions along the way when you find yourself "stuck"...! :wave:

 

ETA: Platystemon was quicker than I was! :D

Edited by HoustonLynne

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Welcome! Great first post! :clapping:

 

Take a look at my siggy - you can get your paper reports from those numbers.

 

...and again, welcome! Have a great time!

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Welcome.

 

Feel free to blame the ex. It really can make you feel better. :rofl:

 

Now, that that is over, time to move away from blaming anyone and move forward with plans on how to congratulate yourself at each step of the way.

 

You have found the right place and have already done a lot of reading. Go read it again.

 

I agree with the others. For reports you are going to do work from, you need them from each CRA.

 

Good luck and keep us informed.

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Congratulations!! You have done well already to start off your journey to financial freedom.

 

Isn't it nice to feel getting that "sense of control" again? The best part is, you are in a community of people who understand and are always willing to help.

 

I am new here too and I continue to learn. Everyday. Would love to hear updates from you. Each story posted here is always a learning opportunity for other even for the most experienced already.

 

Welcome to CB :)

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...just today I called TU to ask for my old address to be deleted. It was simple and easy and I had a bit of thrill run through my veins when he said yes and then deleted my phone numbers as well. I know this is the low hanging fruit of the path I'm taking, but its a great feeling to be in control!

 

Every little success is progress, and empowering!

 

Keep at it, and you'll get everything squared away. It won't happen right away, but it'll happen.

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In my attempt at keeping myself on track with my journey, I'm updating this thread with my progress. Unfortunately, little progress has been made due to my own procrastination and a few life changes, mainly the procrastination. Looking ahead to the future, I'm afraid of credit and financial problems snowballing and leading myself right back where I'm starting. This is not something I want to do, but HAVE to do in order to open up possibilities for my own and my families future. Like an ex addict, I fear this could be a lifetime struggle. Right now my EX FICO is 582. I haven't held a credit card in my name alone since I was 22 years old. I'm 35 now and still afraid of answering the phone. It's time for this to stop, and for me to take charge!

 

With that being said, here is my action plan:

 

Opt out: Completed

Order Credit Reports: Completed:

Delete old addy's and personal info: TU Complete, EQ, in works, EX, in works, (from what I read, this could be a struggle)

 

That's it...I'm know I'm only in the infancy stage of this, but I'm still excited. In reading, and reading, and more reading, I've decided to follow Whychat's hippa program first, and then follow up on the others. My medical collections total two accounts, one of them being an unpaid judgement. I will address this judgement and the CA after my addy's and personal info are taken care of.

 

I do have goals that I'd like to meet, and plan on sharing them as I move forward. However, I need to start small and work on the medical CA's first. After that, I'll share the other baddies and get to work on them.

 

For anyone reading this...thanks for taking the time, and wish me luck!

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Good luck!!!!

 

And don't forget for the HIPPA letter program that Why Chat has developed, you can start your own thread in the medical forum to get personalized advice from Why Chat.

 

:wave:

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4/14/2015 update.

 

I was able to have TU & EQ delete my incorrect addy's today! However, EX had no issues making excuses on why they need to keep my old ones on there. So, that was a bust, but I'm going to try again in a few weeks. I used a script I found on a different post and will hope it works. The two folks I spoke with at lunch were pretty adamant to keep them on there. So, fingers crossed, I'll get someone different and more sympathetic to my cause.

 

Anyone have any recent tips they can share?

 

My next steps are to complete the addy deletion off EX, then start on the whychat's hippa program. I'll be posting in the medical forum when that starts.

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4/14/2015 update.

 

I was able to have TU & EQ delete my incorrect addy's today! However, EX had no issues making excuses on why they need to keep my old ones on there. So, that was a bust, but I'm going to try again in a few weeks. I used a script I found on a different post and will hope it works. The two folks I spoke with at lunch were pretty adamant to keep them on there. So, fingers crossed, I'll get someone different and more sympathetic to my cause.

 

Anyone have any recent tips they can share?

 

My next steps are to complete the addy deletion off EX, then start on the whychat's hippa program. I'll be posting in the medical forum when that starts.

 

This is the current thread on EX address disputes:

The MASTER how to delete old addresses From Experian

 

(There is also an older thread - just linking this one, in case it is not the one you found.)

 

Good luck!

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