Credit Journey -- UPDATED

LearningtoImprove wrote:
truckerwife wrote:
I wanted to start a journal to keep things all in one place while I continue to repair my credit.  My family and I went thru hell and back 2 years ago going from getting a divorce to now reconiciling and building a better fututre together.  My husband's credit has jumped over the last year after going with a credit repair company and we are now set to close on our house hopefuly in August.  I started working on my credit myself about 8 months ago.  I was able to get a bunch of medical collections off and also an old AT&T account that wasn't mine.  I still have a bunch more to go. I started at 502 TU and 572 EQ (not sure what my EXP was)I'm now at 608 TU 628 EQ and 628 EXP Congratulations!! NegativesHSBC - on all 3 due to age off 11/15 Contact Transunion as soon as May hits and ask for an early exclusion, start asking the other 2 in AugustCap1 - on all 3 due to age off 11/15 Same advice as abovePRA - on all 3.  collection of HSBC but shows 1/15 as opened. This outfit is known to use illegal tactics, dispute any incorrect informationFocus Recovery - on all 3.  Medical bill How old? How much? Would a "pay for delete" work here?RMS - on TU & EXP This is an OLD medical bill that was paid about 8 years ago.  still shows open and has a new date.  Dispute now, too old to report
Keynote - on EQ & EXP OLD childcare bill that never should have been.  daughter hasn't been at that center in 9 years. Dispute now, too old to reportCCC - on all 3.  paid medical bill Close to aging off? if not write goodwill lettersFocus Recovery -on all 3.  paid medical bill same as aboveTarget - late payments same as above  Not too bad.  Just a lot of paper pushing to get them to do what needs to be done    Thanks so much for responding!  

****UPDATED 7/6/2015 on bottom of post***** I wanted to start a journal to keep things all in one place while I continue to repair my credit.  My family and I went thru hell and back 2 years ago going from getting a divorce to now reconiciling and building a better fututre together.  My husband's credit has jumped over the last year after going with a credit repair company and we are now set to close on our house hopefuly in August.  I started working on my credit myself about 8 months ago.  I was able to get a bunch of medical collections off and also an old AT&T account that wasn't mine.  I still have a bunch more to go. I started at 502 TU and 572 EQ (not sure what my EXP was)I'm now at 608 TU 628 EQ and 628 EXP NegativesHSBC - on all 3 due to age off 11/15Cap1 - on all 3 due to age off 11/15PRA - on all 3.  collection of HSBC but shows 1/15 as opened.Focus Recovery - on all 3.  Medical billRMS - on TU & EXP This is an OLD medical bill that was paid about 8 years ago.  still shows open and has a new date.  Keynote - on EQ & EXP OLD childcare bill that never should have been.  daughter hasn't been at that center in 9 years.  CCC - on all 3.  paid medical billFocus Recovery -on all 3.  paid medical billTarget - late payments  Not too bad.  Just a lot of paper pushing to get them to do what needs to be done   ************UPDATE!!!*********** NegativesHSBC - on EQ & EXP TU DELETED!Cap1 - on EQ & EXP TU DELETED!  PRA - on EQ & EXP collection of HSBC. TU DELETED! complaints were made via CFPB, BBB, and the AGFocus Recovery - on EQ & EXP.  Medical bill --- HIPAA dispute in process, TU DELETED!RMS - on TU & EXP --- Started HIPAA dispute DELETED!!Keynote - on EQ & EXP OLD childcare bill that never should have been.   DELETED!!!!CCC - ---HIPAA dispute.   DELETED ON ALL 3!!!Target - late payments --- GW.  2 of 3 Late Payments DELETED!!!  working on the last one.  ----------------Concord Serving - old loan that has been closed that shows late payments on it.  I don't have it listed above because I'm not working on it.  It's joint with my husband and since we are currently just using his credit to buy our house, I don't want to touch it. Once we close next month I'll start hitting it.    

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    LearningtoImprove wrote:
    truckerwife wrote:
    I wanted to start a journal to keep things all in one place while I continue to repair my credit.  My family and I went thru hell and back 2 years ago going from getting a divorce to now reconiciling and building a better fututre together.  My husband's credit has jumped over the last year after going with a credit repair company and we are now set to close on our house hopefuly in August.  I started working on my credit myself about 8 months ago.  I was able to get a bunch of medical collections off and also an old AT&T account that wasn't mine.  I still have a bunch more to go. I started at 502 TU and 572 EQ (not sure what my EXP was)I'm now at 608 TU 628 EQ and 628 EXP Congratulations!! NegativesHSBC - on all 3 due to age off 11/15 Contact Transunion as soon as May hits and ask for an early exclusion, start asking the other 2 in AugustCap1 - on all 3 due to age off 11/15 Same advice as abovePRA - on all 3.  collection of HSBC but shows 1/15 as opened. This outfit is known to use illegal tactics, dispute any incorrect informationFocus Recovery - on all 3.  Medical bill How old? How much? Would a "pay for delete" work here?RMS - on TU & EXP This is an OLD medical bill that was paid about 8 years ago.  still shows open and has a new date.  Dispute now, too old to report
    Keynote - on EQ & EXP OLD childcare bill that never should have been.  daughter hasn't been at that center in 9 years. Dispute now, too old to reportCCC - on all 3.  paid medical bill Close to aging off? if not write goodwill lettersFocus Recovery -on all 3.  paid medical bill same as aboveTarget - late payments same as above  Not too bad.  Just a lot of paper pushing to get them to do what needs to be done    Thanks so much for responding!  

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