Hello all, I was on the happy road to fixing my credit which I did -- it went up pretty good, in the fair range --- now its bad --- 600 EQ! Can you guys help me repair the issues my credit has??? US Dept Ed â?? 60 days late â?? I asked for a deferment because I was unemployed and moving, can I write a letter to ask them to please remove this? This is the only bad thing on this account. EAF â?? Student loan from when I was 21, I messed up but I have paid this account off in full â?? but in 2005 I went 120+ days without paying (this sounds up multiple times, every month after 120+ days which is killing my score). I have two of these loans on my credit report (since I had two loans) -- Can I have this removed from my credit report? AT&T Wireless Hard Inquiry â?? this really hurt my credit, I was never told that they would pull a hard inquiry, can this be removed from my credit? Collection â?? Comcast bill from 2005, can this be removed? I paid it off several months after it went to collections. I used ScoreWatch from MyFico (EQ) to review my credit. These four items represent 13 flags on my report! These items are really hurting my credit. Unfortunately I was irresponsible when I was young, but I have learned now. I am also utilizing 100% of my credit cards which I did not even realize. I know I need to pay down the credit cards, does anybody have any advice about doing so? I want to pay off the card that has the highest APR first. I am still pretty young (25) but I know that I will need to buy a new(er) car this year and a home for my future family. These are my goals and I want to get to 700-720 which according people on here can be done. Please help me!!! Thanks.
