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Gregory17

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Everything posted by Gregory17

  1. Hi I am just starting to take control of my credit was hoping I could get direction on how to attack my issues. Here are the details of my credit reports Experian: Score 580 2 Credit cards payments are on time and 15% Utilization Rate 1 Auto Loan with three late payments 30 days, 30 days and 60 days late 1 Bank Charge off, credit card $5,000 its 7 years 1 month old but still hasnt been removed from my account 5 Credit Card inquires 1 Loan Inquiry. Equifax: Score 547 2 Credit Cards Payments are on time 15% Utilization rate 1 Auto Loan 2 Late payments 30 Day, 60 Days 6 Credit Inquires (Car loans, Credit Cards, Loan) Transunion: 562 2 Credit cards Payments on time 15% Utilization Rate 1 Auto Loan 60 Days Late 3 Collections Medical Bills for a small amount ($148, $137, $60) 3 Inquires Credit Card, and an Auto Loan Any advice would be appreciated on where to start and how to get rid of all the negative reports as best as I can. I was planning to add some trade lines and possibly dispute the collections, late payments, Inquires. What do you guys think? and is this something I can do on my own or should I hire someone? Thanks in advance
  2. I signed up for freecreditreport.com and I was told that it will be hard to have Inquires and negatives removed from my credit report because that website is owned by Experian and now they have all information which means they can confirm any dispute I make. Is this true and if so what should I do or is it to late.
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