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About NewHorizon

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  1. No expert, but... I'm of the opinion that if you just make payments on time, the score will rise dramatically in 12 months. Mid-600s maybe. Just speculation on my part, tho'. 'Nother thought: next Spring, contact a mortgage broker who can tell you exactly what you can and can not qualify for. (I think that'll require a hard-pull, tho'.) While he may or may not be in a position to give any credit-repair advice, at least you'll know where you stand and how far, score-wise, you need to go. EDIT: Hmm, this thread looks like somebody was once in the same boat as you:
  2. Noob here: Ignore me if these comments don't make sense. > NEVER provide any information they don't already have. Would it make sense to send them a copy of the portion of your CR pertaining only to that account? I'm wondering if that wouldn't be enough for CapOne to go on while at the same time not showing them anything more than they already reported. I suspect that that letter from CapOne was more-or-less a form letter triggered because the front-line person who starts the process didn't have the full account number. So their letter probably covered more territory than it needed to. But a call to that 800-number might clear up exactly what they need and why...?
  3. Given that the error message includes, "You must have a current copy of an Experian credit review that you obtained from another company in order to use this service," permit me to wonder aloud if perhaps it only works for the folks who've recently pulled their report another way?
  4. I don't understand why you said that. LKH and are very much alive and well. Don't get me wrong, they're a good resource - they're helping a lot of people. But they're entirely unreceptive when faced with their own inaccuracies.
  5. Way too funny. I got falsely accused of something by a CB mod over at and I said I could prove it. They never asked for the info. I got banned instead. I'm guessing the latter was easier.