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Newbie seeking some advice!!

Discussion in 'Credit Talk' started by VPJ, Apr 8, 2001.

  1. Apr 8, 2001 #1
    VPJ

    VPJ Guest

    Have been following posts here and have finally gathered some courage to tackle my credit situation proactively. As with many, I hit several lows over the years with juggling school, trying to survive, and then recently with being laid-off. My FICO score is 456!! I can use any help/advice towards a credit repair strategy. Thanks is advance.

    Received my Experian and Equifax reports and here are the summaries:

    Experian has:
    6 negatives
    - 1 past Paid/Past due 150 days last reported 6/96
    - 5 Charge offs for accounts opened from 1/98 to 3/99
    1 positive
    - Car finance status: open/never late opened: 10/99 and down from 14.5k to 10.5k
    5 inquiries (1 in 2001, 4 in 1999)

    Equifax has
    1 collection agency
    - for account with First Union for $118 with last activity 1/97 (This is not mine for sure!)
    3 pays as agreed
    - 1 Auto finance same as above
    - 2 accounts from 1991 which were secured loans and were paid and closed in 1993 and 1994
    1 Paid account/Zero balance showing 120 + days past due from 3/92 with last activity in 6/96
    4 Charged off accounts
    - 3 credit cards
    - 1 closed account with JCPenney from 3/89 last activity 1/97 (not mine!!)
    2 Closed accounts 120+ days past due credit cards

    33 inquiries from 5/99 thru 4/01. Many are repeats such as nextel twice in 2 weeks, Household auto finance 3 time in 1 week!!!

    Still waiting on TRW.

    Please please respond.

    VPJ
     
  3. Apr 8, 2001 #2
    Cadillac408

    Cadillac408 Well-Known Member

  4. Apr 8, 2001 #3
    VPJ

    VPJ Guest

    Re: Newbie seeking some advice

    Thanks MP$40
    I have contemplated signing up. Have u had any experience with them yourself? If so, please share. Also, do they also dispute inquiries?

    I have electronic copies of my reports. Can I email these to them to get the process started ASAP?

    I know these are a lot of questions, any help is appreciated.

    VPJ
     
  5. Apr 8, 2001 #4
    Cadillac408

    Cadillac408 Well-Known Member

    Re: Newbie seeking some advice

    Yes I have been using them since the beginning of December 2000. I've gotten pretty decent results (40% deletion rate) from them. Do a search on this board under "Junum" and read previous threads.

    And....to be fair, there is also Lexington Law Firm. You can do a search on them as well....
     
  6. Apr 9, 2001 #5
    VPJ

    VPJ Guest

    To: Lizardking and others

    Thanks MP$40, signed up with Junum this morning.

    Is there anything I should do in the meantime? I want to place a call to Experian and Equifax, but hesitate b/c I dont know if that would interfere with what Junum would be doing.

    What strategy would you recommend? Let Junum do their thing or take a two-pronged approach?

    Thanks
     

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