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Innocent_Kiss

New income! Tips for making arrangements please.

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The consensus is to remove negative tradelines all together because making payments don't necessarily equal boosted. Even paid collections are still collections and simply update status to paid which can be detrimental to scores because of DOLA.

 

Here's my situation: My income for the past 2 years have been inconsistent in freelancing. I've landed something more permanent and want to start making arrangements. 

 

MY CREDIT REPORT REVIEW:

I have 4 charge offs (all charged off in the past year or so)

1 card 30-59 Days Late

Autoloan in good standing, 90-119 Days Late

1 account never late

Even my Self Lender account is closed with a 30-59 days late

1 collection from Portfolio Recovery (OC Comenity Bank)

 

As you can see my reports are s***. Such is life. I'd gotten on hardship plans that eventually went to hell because of late invoices, unexpected changes in clientele, etc. At this point I want to start making things right but I want to go about it in the most beneficial way. It's been a couple of years since I've been in a credit repair journey and want to refresh in regards to repairing and repaying:

 

 

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