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Where do I begin? Rebuilding my credit AGAIN!

The last post in this topic was posted 1065 days ago. 

 

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I am trying to rebuild my credit all over again. I successfully rebuilt my credit back in 2010. Brought a house, now my credit score in back in the tank for multiple reasons i.e. late payments, old paid credit cards still reporting and 1-3 collections.

I have pulled my reports.

 

Trying to figure out what I need to do to improve my score? Should I apply for credit card? I have no open credit cards, I only have two open accounts;my mortgage and my auto loan. Both are reporting as “Pays As Agreed “ I know I need to remove all the credit cards with 0 balances off my reports. How can I get these removed?

Started paying my open accounts on time about 9 months ago.

 

So disappointed that I am here again. :(

Help me CBers!!

 

FICO scores are EQ 517 EX 551 TU 541

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Don’t worry !!!!!!

It can happen to anybody.

some time you can predict what life has in store. At least you able to recognize that there is a problem and are willing to deal with it.

 

 

Sent from my iPad using Tapatalk

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Don’t worry !!!!!!

It can happen to anybody.

some time you can predict what life has in store. At least you able to recognize that there is a problem and are willing to deal with it.

 

 

Sent from my iPad using Tapatalk

Thanks! My credit file is different from before, I don’t immediately know how to fix it? Need advice!

 

 

Sent from my iPhone using Tapatalk

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You should outline the accounts on your reports for the best advice.

Regions( original home sender), credit union ( car financed), credit Union ( personal loan), Walmart, Credit First, JcPennys, Kohl’s - all show pays as agreed but at one time each showed as paid late. All have been 0 for more than 3 years.

 

8 Collections- GM Financial, AT&T mobile, medical bills,Jefferson Capital

 

Several Student loans- most show as pays agreed 2 show delinquent

 

Department of Treasury- not mine in dispute

 

 

 

 

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Dont remove closed positively reporting account. You run the risk of losing age which will in turn drop your scores.

Any of those accounts that are closed in good standing?

Would you want to re-open any of them?

 

I would try those 1st and if all are a no go then start slowly with a new account or two.

 

Credit rebuilding is like a garden.

Once you build your garden you have to maintain it, pull the weeds, plant new seeds, nourish them while they grow.

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Dont remove closed positively reporting account. You run the risk of losing age which will in turn drop your scores.

Any of those accounts that are closed in good standing?

Would you want to re-open any of them?

 

I would try those 1st and if all are a no go then start slowly with a new account or two.

 

Credit rebuilding is like a garden.

Once you build your garden you have to maintain it, pull the weeds, plant new seeds, nourish them while they grow.

Thank you! Many of my closed accounts are reporting pays as agreed for the last 24 months, before then they were reported as late. I will try to re-open them but I do not think I will have any luck.

 

Any suggestions on new re-builder cards?

 

 

Sent from my iPhone using Tapatalk

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Dont remove closed positively reporting account. You run the risk of losing age which will in turn drop your scores.

Any of those accounts that are closed in good standing?

Would you want to re-open any of them?

 

I would try those 1st and if all are a no go then start slowly with a new account or two.

 

Credit rebuilding is like a garden.

Once you build your garden you have to maintain it, pull the weeds, plant new seeds, nourish them while they grow.

Thank you! Many of my closed accounts are reporting pays as agreed for the last 24 months, before then they were reported as late. I will try to re-open them but I do not think I will have any luck.

 

Any suggestions on new re-builder cards?

 

 

Sent from my iPhone using Tapatalk

 

 

They are still negative accounts.

 

I would suggest dealing with the medical collections first since they are the easiest to deal with. Go to the medical forum and start a thread so Why Chat can help you with his process to get them removed. While you are following his dispute method, you aren't supposed to dispute anything else FYI.

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Dont remove closed positively reporting account. You run the risk of losing age which will in turn drop your scores.

Any of those accounts that are closed in good standing?

Would you want to re-open any of them?

 

I would try those 1st and if all are a no go then start slowly with a new account or two.

 

Credit rebuilding is like a garden.

Once you build your garden you have to maintain it, pull the weeds, plant new seeds, nourish them while they grow.

Thank you! Many of my closed accounts are reporting pays as agreed for the last 24 months, before then they were reported as late. I will try to re-open them but I do not think I will have any luck.

 

Any suggestions on new re-builder cards?

 

 

Sent from my iPhone using Tapatalk

They are still negative accounts.

 

I would suggest dealing with the medical collections first since they are the easiest to deal with. Go to the medical forum and start a thread so Why Chat can help you with his process to get them removed. While you are following his dispute method, you aren't supposed to dispute anything else FYI.

Thanks will do!

 

 

Sent from my iPhone using Tapatalk

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Dont remove closed positively reporting account. You run the risk of losing age which will in turn drop your scores.

 

 

AAOA includes closed accounts. AAOA is far more important than the age of open accounts. Closing an account will not impact AAOA until the closed account falls off the report, most commonly 10 years later.

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Dont remove closed positively reporting account. You run the risk of losing age which will in turn drop your scores.

 

AAOA includes closed accounts. AAOA is far more important than the age of open accounts. Closing an account will not impact AAOA until the closed account falls off the report, most commonly 10 years later.

I’ve just disputed a few collection accounts and GM financial the account is older than 7 years but it stills remains on my files. EXP will not let me dispute it as older than 7 years. WTH!

 

 

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