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dodgehater

well 6 months rebuilding and im so close

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I started in june 2016 with fico scores 510's ,6 months later 670's average.I have 1 collection that insurance paid 12/3 thats still in process,hope it gets done soon.2 more old collections 2013,2011 im gona start the hippa process tomoorrow and start a thread for advice.Had 7 navient loans that went into default in 2013-2014 that i rehabbed 2 months ago,i've tried disputeing,goodwill letters,everthing i could find to get lates removed from the original defaulted loans but i've had no luck.tommorrow gona call department of education and try them.i started rebuilding with my fico forums and they helped me out alot,i've just recently found these forums and they have been great.I sure hope this hippa process gets the last 2 collections off,then ill be ready for buying another house.

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Excellent progress. Congrats. I'm in the same boat. Waiting for the last 2 bad items to drop off in March 2017 so I can buy a house next summer.

 

 

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I've disputed with CRA's and navient,called navient,called everyone associated with goverment loans,Navient ceo finally wrote letter saying hes taking assigned to goverment off loans but cant take lates off.EQ has pays as agreed on loans but the calender shows late,EX has unknown status and transfered to another office but still has lates on calender.TU still has 120 days late and assigned to goverment,but today i checked capital one free C R and it used to show 120 days late on navient loans but now it dont so maybe it updated,It's been a pain.The hippa process i havent done yet cause i found a cheap hud house i may bid on and i dont think you can have a dispute when you get pre qualified for a morgae

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I've disputed with CRA's and navient,called navient,called everyone associated with goverment loans,Navient ceo finally wrote letter saying hes taking assigned to goverment off loans but cant take lates off.EQ has pays as agreed on loans but the calender shows late,EX has unknown status and transfered to another office but still has lates on calender.TU still has 120 days late and assigned to goverment,but today i checked capital one free C R and it used to show 120 days late on navient loans but now it dont so maybe it updated,It's been a pain.The hippa process i havent done yet cause i found a cheap hud house i may bid on and i dont think you can have a dispute when you get pre qualified for a morgae

what about the other half of credit repair?

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I started with 11 collections which i disputed with all 3 CRA's,and sent validation letters to debt collectors.That got rid of 9 collections,.1 collections i had i called OC and they didnt charge my second insurance,so i called my insurance and got it paid,They paid dec3 but it takes awhile to process it so it should come off soon,Bought a new car oct 2015 in me and hubbys name which uped my score.got authorized on 2 of my hubbys cards which are always paid,score come up 2 months ago and i got my first unsecured credit card which helped my score too.if you have any more questions ill try to answer.All i did was read alot of myfico forums for advice.just recently discovered this site which has been real helpfull too.

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well 1 collection comes off next week,or it should insurance paid the ambulance service,so i called awa collections and they said it closed and should be removed.The other 2 collections i sent hippa letter to CRA's prioty mail TU N EQ got them 12/3 EX say unknown address so i don't know whats up with that.My 2 highest morgage scores are with TU ,EQ .I am hoping since i deleted old addy that the last 2 collections come off

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Well down to 2 medical collections now.Started hippa process to CRA's they recieved them 1/3,1/4/17,so i should hear something soon.When the newest collection come off i pulled my fico morgage scores.650,675,682 ,Which i am so happy about since i started with 510's 6/7/16.I'm hopeing when and if i can get these old 2 collections off,my score will jump higher.KInda doubt it since i have 120 days late on 7 navient student loans from 2013,but who knows.

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