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Cousins Credit Report


altod
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The last post in this topic was posted 3131 days ago. 

 

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Hi Everyone,

 

I have been helping my cousin clean his credit up. I have been reading a lot, but am a little overwhelmed. Below are his stats and the accounts. Your guidance would be much appreciated on how to proceede.

 

Capitalone BestBuy

  • Transunion is reporting 2(30 Day lates) 2(60Day) and 2(90 Day) Lates.
  • Equifax is reporting one of each.
  • Is a goodwill letter our best bet here?

Chase Auto Loan

  • This one is a killer.
  • Transunion is reporting 18(30 Day) 11(60Day) and 4(90 Day)
  • Equifax is Reporting 19(30 Day) 11(60 Day) and 4(90 Day)
  • I don't even know how to approach this one. He has paid this one off and it is reporting as paid on his reports, last payment on DEC 14.

 

Eastern Bank Car Loan

  • On Both TU and EQ 2(30Day), 1(60 Day) and 2(90 Day).
  • Should we do a goodwill on this one?

 

I got him a few new accounts with Capone, Credit One, Target and he is an Authorized user on an AMEX.

 

Guidance would be great, fully prepared to do the work i just don't even know how to approach this.

 

A

Edited by altod
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I will type what most others are thinking and then moving on silently.

 

Your cousin needs to create an account and come here for advice.

 

Most people don't want to help a third party through an intermediary, no matter how good the intentions.

Edited by cv91915
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I will type what most others are thinking and then moving on silently.

 

Your cousin needs to create an account and come here for advice.

 

Most people don't want to help a third party through an intermidiary, no matter how good the intentions.

 

Probably because most of us are skeptical of trying to help someone that isn't willing to help themselves. At least outside of some compelling reason or perhaps a spousal relationship. I'm all for helping people help themselves such as pointing them to CB and maybe printing a few relevant threads. Then it's up to them.

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I will type what most others are thinking and then moving on silently.

 

Your cousin needs to create an account and come here for advice.

 

Most people don't want to help a third party through an intermediary, no matter how good the intentions.

 

+1

 

This usually doesn't work well. They need to be involved personally to fully understand credit, and if you are unsure yourself, it's probably better that your cousin joins and learns this him/herself.

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