Jump to content

Goal to Achieve: 850 credit score


Recommended Posts

  1. Early during 2019 I stopped paying all of my credit debt which consisted of credit cards and loans.  I started off in 2017 with good credit-- scores in the 700s.  I helped my boyfriend and got very much overwhelmed.  Now in addition to working with a company named Peace of Mind whose brand is about forcing a creditor to prove that the creditor owns the debt in question, I want to do some of my own cleanups. I'm familiar with the Universal Data Form relative to how it is utilized.  Question:  Can I use the form to submit credit challenges to the three credit bureaus.  I'm so ready to achieve that 850 middle credit score!
Edited by LadyMadeline1943
The grammar was imperfect.
Link to post
Share on other sites

welcome to CB!

 

please fire the CRO asap. There is a good chance it has done more harm than good.

 

UDF is very 1998; while it is good you are familiar with it there is little to gain.

 

have you ordered paper copies from each of the four major CRAs that participate in e-oscar?

If not, order paper reports from the big four before doing anything.

https://creditboards.com/forums/index.php?/topic/590506-ordering-paper-credit-reports-information-inside/&tab=comments#comment-5623246

IDS: https://www.innovis.com/personal/creditReport

ignore your FICO scores when you have an open dispute and while rebuilding never forget that cleaner reports re better than higher FICO scores.

 

lastly, don't forget the other half of credit repair. good luck!

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Similar Content

    • By MidnightBluJ
      My credit score right now is 650 according to chase. I want I know if it would be better to pay off closed accounts first,  which I negotiated low interest rates for a few years ago,  or pay down the active ones first,  some of which are near max end have higher rates. 
       
      Does having these unpaid closed accounts worsen my credit, or does the fact that I am paying them monthly improve my credit? 
    • By MarvBear
      A "backdoor number" is one that gets you past frontline CSR's directly to Credit Analysts / Credit Departments / Account Managers / Account Specialists (different lenders call 'em different things) - these people/departments have decision-making abilities far beyond frontline CSR's; they can take and review requests for reconsideration of denied CC apps or CLI requests, APR reductions, etc. and implement their decisions.
       
      I can continuously update this first post with the latest information if everyone will post to this thread.  I'll make the change and acknowledge.  We deeply appreciate your participation.
       
      Amazon (store card): see Synchrony (GE)
      AMEX:                      (Oasis Program)
      AMEX: 866-314-0237 (new app status)
      AMEX: 800-582-6471 (recon with frozen EX for pin)
      AMEX Business charge cards - (877) 399-3083
      AMEX Credit Bureau Unit: 800-874-2717 (Must have a current credit report before calling. They will ask for the account number from the credit report, which is different from your card number)

      Barclays: 888-232-0780 (Customer Care)
      Barclays: 866-408-4064 (Credit Analyst)
      BBVA Compass Bank: (American Express Card issues only) 866-246-2924
      Best Buy: 877-420-0001
      Best Buy: 888-908-9890 (Credit Analyst, existing accounts only)
      BofA: 888-260-4696 (secured accts.)
      BofA: 800-824-5895 (secured & partially secured accts.)
      BofA: 704-386-5687 (Office of the CEO)
      BofA: 888-500-6270 (Credit Dept. Fax)
      BofA Business: 877-665-5023 (Analyst/UW)
      BofA Business: 877-665-5023 (New applications)
      BofA Business: 800-442-1043

      Cap1: 800-625-7866 (Account Specialist)
      Cap1: 800-951-6951 (cust. relations)
      Cap1: 800-548-4593 (application department; status)
      Cap1: 800-889-9939, 800-625-7866 (Account Specialist)
      Cap1: 877-513-9959 (Account Retention?)
      Cap1: 800-258-9319 (Debt Recovery)
      Cap1: 866-280-0118, 800-955-1455 (EO) (Nerfed in general)
      Cap1 Secured Platinum: 800-219-7931 (deposit taker, can speak to credit analyst)

      Chase: 800-432-3117 (App status)
      Chase Executive Office  800-242-7399
      Chase Personal CC Recon 888-270-2127
      Chase Business CC Recon 800-453-9719
      Chase: 800-453-9719 (Business card lending)
      Chase Lending - 888-609-7805 (Credit Analysts)
      Chase: 800-242-7399
      Chase: 800-955-9900 (Product change status questions)
      Chase: 888-298-5623 (Consolidation - M-F 8am-10pm EST)
      Chevron/Texaco Biz Card App Status: 888-243-8358
      Citi: 800-645-7240, 800-288-4653 (Citi Business)
      Citi: 800-750-7453 (Business)
      Citi 888-201-4523 (Personal)
      Citi: 718-248-0847 (EO)
      Citi: 800-695-5171 (New Accounts UW)
      Citi: 605-331-1698 (EO - CC division)
      Citi Credit Bureau Dispute Fax: 866-713-5028
      Comenity: 800-303-1368 (Consumer Relations - Recon)

      Discover: 888-676-3695 (New Accounts)
      Discover: 866-305-7691 (Direct Line TO CS)
      Discover: 866-222-0536 (EO)

      Elan: 800-364-9648 (CC underwriting, business and personal)
      Equifax: 800-846-5279 (Direct to Rep)
      Equifax Executive Office 404-885-8000
      Experian: 800-493-1058, 800-208-9232 (9AM-5PM ET, need report number from EX)
      ExxonMobil Biz Card: 800-903-9966

      FIA: See Elan
      FNBO: 800-444-6220

      GEMB: 877-294-7541 (escalated help desk)

      Haverty's/Sync: 800-333-1082
      Home Depot Store Card: 800-677-0232 (Credit Analyst)
      Home Depot Store Card: 423 467 6957 (App Status/Recon)
      Home Depot MC (Commercial): 800-720-0649
      Home Depot: 800-685-6691 (Commercial)
      Hooters: 801-545-6705, 800-850-4668
      HSBC: 866-574-4421 (App Status)
      HSBC: 866-719-3897 (Credit Analyst)

      JC Penney: 800-542-0800
      Juniper: 866-408-4064 (Credit Analyst)
      Juniper/Barclays: 866-750-6031 (Corp. Offices)

      Key Bank: 888-201-4523 (App status)
      Key Bank: 800-254-2737
      Key Bank MC: 800-288-4653
      Key Bank Credit Research Fax: 216-357-6400

      Lowes: see Synchrony (GE)

      Macy's: 800-627-2909 (Credit Dept. - new credit, inquiries on upgrade to Visa, credit reporting issues)
      Macy's: 800-543-9617 (Recovery Services)
      Marvel: see Synchrony (GE)
      Meijers MC: 801-517-5560

      National City: 800-762-0974 (Credit Dept.)
      Nationwide Visa: 866-757-2720 (App. status)
      Nordstrom: 800-964-1800 (CLI)

      Orchard: 800-395-6090 (May get answered in Spanish by bilingual CSR's. If this happens and you don't speak Spanish, either try again later or try saying "Habla ingles?" or "Ingles, por favor" to let them know you're an English-speaker)

      Philips 66: 866-289-5630, 800-610-1961
      PNC Bank: 800-762-2117 (Business CC)
      PNC Bank: 877-562-0150 (Business UW)

      Sam's Club: 800-301-5546 (Underwriting)
      Sears: 800-599-9710 (App status)
      Shell Fleet Card: 800-223-3296 (App status)
      Shell: 800-223-3296, 866-438-7435
      Shell: 800-377-5150
      Staples: 800-767-1291, 800-282-5316
      Sunoco Corp. Card: 800-935-3387, 800-278-6626
      Sunoco: 800-310-4773
      Synchrony (GE): 800-240-0512, 800-480-0205 (Biz)
      Synchrony (GE): 800-588-4290 (Consumer)
      Synchrony (GE): 877-379-8175 (Sr UW)
      Synchrony (GE): 888-885-6937 (Verification)
      Synchrony (GE): 800-333-1082 (Haverty's)
      Synchrony (GE): 866-519-6441 (Marvel CC, Sr UW)

      Target Biz Card: 800-440-5317
      Tiffany: 800-770-0800
      Transunion: (312) 466-7719 (Corporate Office Resolution Team Voicemail)
      Transunion: (610) 546-4600 (Corporate Office, need extension or last name to search directory)

      USAA Bank Secured Platinum: 800-344-5696 ext 38763 (secured product specialist)
      US Bank: 800-685-7680 (Underwriting)
      US Bank Secured Platinum: 800-344-5696 (underwriters for secured product)

      Valero: 877-882-5376

      Walmart (Sync): 877-379-8175 (Sr UW)
      Walmart (Sync): 877-969-5302 (Verification)
      Wells Fargo: 866-677-1128 (CC Executive Office)
      Wells Fargo: 844-576-6424 (Executive Office)
      Wells Fargo: 877-514-3717 (Amex Propel Credit Svcs)
      Wells Fargo: 844-879-4824 (Direct # for Product Change Credit Svcs)
      Wright Express: 888-743-3893   
       
    • By PS2020
      I had another topic on the this subject a while back but I felt it was getting too far off the mark, so I wanted to start fresh. I'll keep it super simple though, because my current goal is to repair my credit:
       
      TL;DR - What do I do with my charge offs/things that have been sent to collection and are well within the SOL? Pay them off ASAP? Pay in Full or go for the discounted settlements? What will let me start building up my score the quickest and allow me to distance myself from my troubled history?
       
      I have 2 chase accounts, one is $5k+ and one is $600+, both have been charged off, both are well within the SOL (happened in 2018, SOL is 5 years in Illinois for getting sued afaik). I have a Discount tire one that has also been charged off, also well within the SOL. Now there are some other accounts I KNOW have been charged off, all around the same time, but they either show up on my eReport or not at all, but I expect them to pop up as I continue down this process, because that seems to be what's been happening anyways.
       
      Now here's what I SPECIFICALLY need an answer on, because I felt like this wasn't getting answered: What do I do with this information? I know I owe the money, I want to improve my credit. Is it really worth going through the whole Debt Validation thing at this point? If not, than do I let's say call up Chase or Discount Tire or any of the OCs I had these debts with and talk to them? Do I just wait for the collection letter to come and settle the debt that way? Will it look better if I pay off the debt in full as opposed to going through one of these CAs, or does it not matter at this point other than getting hit with a 1099?
       
      I have searched up and down the boards and I am having trouble finding the answers I need. I already know paper reports are worth a million times more than the ereports, I already know about credit utilization and DTI and all of that, I already know what to do to build the credit back up once I don't have to worry about the charge offs before, but what I don't know is what to do with my current charge offs.
       
      Thank you all for your time! I apologize if my tone sounds demanding; I promise you that is not the case! I just want to be as straightforward as possible so I'm not wasting your time. I'm thankful for the advice I have been given already and as a matter of fact this board helped me get back with AMEX after the whole debacle I had with them.
    • By Racheljp3
      Hi everyone. 
      I just have a question on deciding if I should pay this in full or over the next few month.
      I had to file chapter 13 in 2015. 
      I’ve been rebuilding since discharged in June 2019. I’ve done really good with CC’s since then. I was approved for 3k with PayPal credit. I only use it for purchases over 100 so I can get 0% for 6 months. I owe $1300 on it now. (Christmas) It will be interest free until June. 
      I needed a an installment loan so I got $3600 via Upstart. I refused more because I just need the trade line. 
      My question is do I just pay $350 over the next few months and put the money in savings or go ahead and just pay it in full? 
      The total credit lines for Credit cards including the PayPal is $8750 
      I owe less than $1400 total. 
      I’m going to let them draft the payment for the loan monthly and then just pay it in full at 13 months. 
      That’s my plan and it makes sense in my head. I just don’t know what to do about the Paypal account. Pay in full now or wait and get the extra interest from savings account. 
      any advice? I over think everything. 
    • By Igor
      Hi All - I am new here.
       
      We are looking for help on how we can move our high APR CCs to 0% with a BT to new cards.
       
      We have the following CCs with CL info. We are looking to do BTs to 0%. We opened a couple cards but got low CL, asked for a higher CL but were denied. We opened up US Bank cards to do BTs but got CL of $500 - 600. I tried asking US Bank to increase our CL to no avail. I thought we can leverage our open CL's on other CC, meaning I can lower the CL on a Citi card with 0% util and they would give me more but the CCC said it would not help.
       
      One thing I noticed, we had been saying we earn $45k but we did not realize we earn $80k...
       
      We are not sure what to do next.
       
      I assume we should move around some CL or balances to bring the CS back up, then open a new card or raise the balance on a card with a BT offer, and do the BT.
       
      I will look into getting the CR's to review if anything is not supposed to be there.
       
      Meanwhile, these are the cards for me and DW.
      ME, FICO 726 owe CL CL utiliz. APR % rate until Notes FICO 726 (was 750 in Nov)   Bank of A 0 17200 0%           Chase Freedom 9550 13000 73% 15.24         Citi AA MileUp 0 13200 0%           Citi Double Cash 3600 3900 92% 0 6/16/2022  New                       DW - FICO 689                 Bank of A 4030 6900 58% 18.99         Bank of A 4200 6000 70% 22.99   0% until Feb 15, 2021     Citi Double Cash 2430 2500 97% 0 7/3/2022 New
          (Citi AA MileUp
      0 19700 0%      
      Closed)
       
           
       
      What can I make more clear?
      TIA for all advice!



  • Member Statistics

    • Total Members
      180,559
    • Most Online
      2,046

    Newest Member
    tradebuiltupletters
    Joined
×
×
  • Create New...

Important Information

Guidelines