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Old 01-23-2007, 08:30 PM   #1
Starscream
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Default How would you go about?

rebuilding your credit?? yes i searched... http://forums.nasioc.com/forums/sear...archid=6945288

My house late fees rocked me but i'm 4 months ahead on the mortgage which is the maximum allowed, the late fee's came off my credit report finally!
So how can i go about getting my credit score back up?
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Old 01-23-2007, 08:37 PM   #2
LateApex
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I went through this a few years ago... I wrote letters to all the derogatory creditors, and asked if they would remove me based on my current history of paying everything on time. Some of them are cool, some of them are not.

Other than that, I think it just takes time.
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Old 01-23-2007, 08:38 PM   #3
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But how would i go about reporting that to Experian and such?
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Old 01-23-2007, 08:39 PM   #4
LateApex
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I believe your creditors have to do that. Unless it's false, then you can contest it through a credit reporting agency.
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Old 01-23-2007, 08:41 PM   #5
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I have something that is hanging on my report, from Dell its been payed since 2005 but they still haven't removed it from my account that its paid.
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Old 01-23-2007, 08:47 PM   #6
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PM me your email, i will email you a report i wrote a couple years ago on how to remove things from your credit.

while you're getting all the bad chit off, you need to establish new credit. 1-2 installments (mortgage + auto) and 1 -2 revolving (credit cards). keep the balances on the credit cards LOW (having a high balance will negatively impact your fico).
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Old 01-23-2007, 08:49 PM   #7
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check your pm
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Old 01-24-2007, 06:55 AM   #8
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I only have one CC, MTG and a school loan just finished paying off my personal loan.
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