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Goal to Achieve: 850 credit score

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  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.
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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.


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!

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