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01-23-2007, 08:30 PM | #1 |
Scooby Specialist
Member#: 44292
Join Date: Sep 2003
Chapter/Region:
NESIC
Location: Universe/Cybertron
Vehicle:..: F-15 Eagle ..: |
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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01-23-2007, 08:37 PM | #2 |
Scooby Specialist
Member#: 7593
Join Date: Jun 2001
Chapter/Region:
SCIC
Location: Rosamond, CA
Vehicle:'17 VW Alltrack |
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. |
01-23-2007, 08:38 PM | #3 |
Scooby Specialist
Member#: 44292
Join Date: Sep 2003
Chapter/Region:
NESIC
Location: Universe/Cybertron
Vehicle:..: F-15 Eagle ..: |
But how would i go about reporting that to Experian and such?
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01-23-2007, 08:39 PM | #4 |
Scooby Specialist
Member#: 7593
Join Date: Jun 2001
Chapter/Region:
SCIC
Location: Rosamond, CA
Vehicle:'17 VW Alltrack |
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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01-23-2007, 08:41 PM | #5 |
Scooby Specialist
Member#: 44292
Join Date: Sep 2003
Chapter/Region:
NESIC
Location: Universe/Cybertron
Vehicle:..: F-15 Eagle ..: |
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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01-23-2007, 08:47 PM | #6 |
Scooby Guru
Member#: 60324
Join Date: Apr 2004
Location: soon to be somewhere else
Vehicle:1998 RS |
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). |
01-23-2007, 08:49 PM | #7 |
Scooby Specialist
Member#: 44292
Join Date: Sep 2003
Chapter/Region:
NESIC
Location: Universe/Cybertron
Vehicle:..: F-15 Eagle ..: |
check your pm
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01-24-2007, 06:55 AM | #8 |
Scooby Specialist
Member#: 44292
Join Date: Sep 2003
Chapter/Region:
NESIC
Location: Universe/Cybertron
Vehicle:..: F-15 Eagle ..: |
I only have one CC, MTG and a school loan just finished paying off my personal loan.
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