billy davis Posted July 8, 2007 Report Share Posted July 8, 2007 I have 5 charge off credit cards9 collections My score is 574 EFX, 570 XPN, 530 TUCI need to know how to get the charge offs removed and my collections show up as doubles and triples on some cases. How do I get to a 750 credit score by September. I already paid some of the collections (smaller amounts ones) and will have 1 more paid off by end of July. What's my best route to success. I'm having problems with getting a loan to rebuild my credit history Link to comment Share on other sites More sharing options...
justincase Posted July 8, 2007 Report Share Posted July 8, 2007 Welcome! The search button is your friend. Link to comment Share on other sites More sharing options...
gypsie Posted July 8, 2007 Report Share Posted July 8, 2007 What's my best route to success. I'm having problems with getting a loan to rebuild my credit historyTHat's way to broad to answer. YOu need to take the time to read this forum, search for answers. No one can just give you a magic answer. Link to comment Share on other sites More sharing options...
momof5 Posted July 8, 2007 Report Share Posted July 8, 2007 We have stickies for Newbies so that you can get many of your questions answered before you post.That being said.....You need a 750 by Sept? Why? Odds are definitely not in your favor. Although you can get deletions and that will improve your credit report, unless you have good tradelines to offset those baddies, you will not get a sufficient increase in your score and ultimately, if you delete everything, you will end up with NO score because you have no reportable credit. Additionally, although we can teach you how to dispute these and get them deleted....experience shows that some will be easy, some will be hard and some will be flat out impossible. Credit repair takes time and to get a 200 pt jump in 2 - 3 months is nearly impossible! You would need to get some AU accts (high CL, low util) to report, some good TLs of your own and all of those baddies gone... Odds are that you can get that donemy Sept 2008, but not this year.I don't wish to discourage anyone, but you also must be realistic!AND.....Welcome! Link to comment Share on other sites More sharing options...
hiblues Posted July 8, 2007 Report Share Posted July 8, 2007 Reality Check...750 by Sept. ... !!! Wow! if it were that easy nobody would have bad credit.it is possible that you could have FICO of 750 by Sept... just not probable.the game of credit repair requires that one be patient.start by clicking on the red-orange link at the very top of this page.. Good Credit is Sexy... probably the best book there is.also.. click on my siggy,,,, Primer.. Link to comment Share on other sites More sharing options...
direred Posted July 9, 2007 Report Share Posted July 9, 2007 I have 5 charge off credit cards9 collections My score is 574 EFX, 570 XPN, 530 TUCI had 7 chargeoffs and 12 collections and I've been fighting for three years. My Equifax (which started at 543) is still below 600.On the other hand, I've got a dramatically cleaner report. Link to comment Share on other sites More sharing options...
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