Ok - how many other people have a score as low as this - 538. Help, Help, Help. All small accounts, all under $1000-. Young and Dumb caused it all. Any advice on how to get back up.
Yes. Start reading the FAQ's section and the board itself. Here are a few questions that will help get you started: Have you ordered and received your credit report from all 3 CRA's? How many negative tradelines do each report list? Are negative tradelines reported one way on one report, and another on a different report? Are the negative tradelines from collection agencies only, original creditors only, or both? What is the DOLA (date of last activity) for each negative tradeline? Is it relatively recent, or somewhat old? Has the SOL expired on any of these accounts? Have you tried simply disputing the negative information in your report? Have you found the validation letter I was referring to in the other thread?
CreditNet Search...it is the GREATEST thing since sliced bread!! http://consumers.creditnet.com/stra...threadid=11012&perpage=20&pgnum=&pagenumber=1 -Peace, Dave
My TU score was (let me look this up)... 483 on 1/18. one charge off, one "collection status", two collections, bunch of student loans. Now my TU score is 705 as of 7/17. no negative notations. Just checked eloan...674 as of 7/24 (a few inquiries since then). I have applied for everything at once in the last month...i will lose alot of points for adding new credit since they discriminate against anyone under the age of 40. I think this is a good credit mix... 1 charge card (amex) 3 major credit cards (Visa, MC, and Discover) 1 retail card 1 gas card 1 credit line 2 installment (i consolidated my student loans, and they split it into two loans, go figure) (everything else paid/closed) i may get rid of a credit card or retail card...someone told me you lose points if you have more than the average, i think 5 is okay (average = 4-5?) my tip: CSR's aren't allowed to hang up on you unless you're cussing at them. they're also supposed to have a low "call resolution time." if you are a pain in their ass you can get whatever you want. just be a polite, but slightly bitchy pain in their ass. my discovercard went into charge off status, plus later i lost my card. i made them buy it back, remove all negative notations, delete the lost/stolen listing from my credit report, reage the account, and now i'm making them reprice it. briana
i take that back...at 483 my TU showed my Discover card had updated my charge off to 18 90 day late pays! obviously i called and bitched them out about that briana
