I decided to post my CR for advice on what my next steps should be. I have been here around a month and want to say thank you so much for everything. I will break each report down and any input is appreciated. All my scores are from 7/1/2002 until present EQ 3 pos tl Macys 100 cl (they reinstated it, from R9 to R1, told me I could get cl incr. in 3 months) Amex (AU, teminated, still reports) Great Plains CC 680 cl Began w/24 derogs now 17, 4 pending deletion making total 13 1 judgement filed 6/2002 (trust me I am mad at me!) 6 are student loans all in default FNB of Marin Charge-off 11/99 EQ check for 142 (I have tried to pay for del, no go) FCNB charge off 5/00 tried dispute verified Genes Financial CA for FCNB (offered settle, no del) Nat'l City check for 62 (disputed, waiting on response) Providian charge off 2/00 (disputed, verified) 2 Sallie Mae trans/sold (disputed, verified) 2 SNET phone bills (disputed, verified) Credit store CA for providian (disputed, verified) Wachovia Bank charge off 12/00 (disputed, verified) 2 inquires showing (both are from RMA) Score 464 low 508 high 473 now Now for EX EX 3 pos tl Macys 100 cl (they reinstated it, from R9 to R1, told me I could get cl incr. in 3 months) Amex (AU, teminated, still reports) Great Plains CC 680 cl Began w/27 derogs now 14 6 are student loans all in default FNB of Marin Charge-off 11/99 FCNB charge off 5/00 tried dispute verified Genes Financial CA for FCNB (offered settle, no del) Providian charge off 2/00 (disputed, verified) 2 Sallie Mae trans/sold (disputed, verified) 1 SNET phone bill (disputed, verified) Reliable Adj. CA for bell south (in dispute) 7 Inquires showing (most attempt to get mortgage) Score low 525 high 575 now 539 An Amex AU (thanks to my big brother) will be added in soon I hope to all CRs, it is a green card, and he usually spends 2K a month on it and pays in full never late. It is about a year old I am try to talk him into AU on his Citi with 5k cl that he has had for 10yrs As for TU, I will post when I see their true report. I have disputes in with them and have to wait to see what it looks like. I really want to thank the board for all of its advice. I have truly learned a lot.
