Hi all...wish i found this forum a while ago. Here is my sob story: I got laid off 3 years ago. I was a college student at the time. Because i had a car loan, i was paying that instead of my CC bills. By missing payment, 3 CC co closed my line of credit. I finally started working and paid off my balances on those 3 cards. I paid one off in full and the other 2 were settlements for lesser amount. I just signed up to see my credit report. Exp gave me 658. here is what the summary says: TOTAL ACCOUNTS: Count: 20 Balance: $18,275.00 (all student loans) Current: 15 Delinquent 0 Other 4 ACCOUNTS SUMMARY: Open Accounts: 9 Closed Accounts: 11 Public Records: 0 Inquiries: 9 Not sure how to read this. The 18 Gs i owe is in student loans. Dont know what "Other" means. When i look at the detail summary, the worse is greater than 120 days late on one CC. Are there any disputes that I can make? Also, my middle initial is wrong on the report and my date of birth is wrong. I just signed got a new CC. 500 is the limit so Im trying to rebuild my credit. I charge about 300 each month and pay 150 when the bill comes. I then pay off the remaining a week later. Not sure if this will help my credit. My goal is to be greater than 700. How far away am I and does anyone have suggestions on how I can attain this? Thanks!!!!!!!!!
BUMPING Click here: ><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> Never read the fine print. There ain't no way you're going to like it. NEW MEMBERS READ THIS. http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=410243#post410243 ************************************************************
