mt2va Posted March 20, 2009 Report Share Posted March 20, 2009 Okay I just got a 3-in-1 CR because I wanted to see if some things I had disputed had dropped off yet & I did it under one of those free trial things. (I actually had just pulled my actual CR from all 3 bureaus prior to starting my disputes 2 weeks ago) This 3-in-1 report has various comments about how to improve my credit, how horrible I am (only 4% of households are worse than me), etc etc Anyway it says that I have no positive credit. Now granted I have a lot of negative things I'm working on but how can 1 paid auto loan (just paid off in 2008) that was never ever late not be considered positive?? The CU only reports to 2 of the 3 CRA. I also have a current auto loan that has never been late. I have also been re-paying my student loans since 2002. There is a 90 day late back in 2006. What do I have to have to be considered positive? It says negatively that I don't have any major credit cards such as Visa/Discover/AmEx/MC. Well of course I don't because I can't get any of them. Not even the sub-prime cards. I don't get it. My scores are pretty bad (mid to high 500 range) but how can I not even get a sub-prime $200 junk card where they are dinging me with tons of fees? Sorry had to vent. Does anyone have any ideas what I can do to have "positive" credit on my report since apparently nothing I have is considered positive. Funny thing is I bet if I quit paying my auto loan & my student loan they sure enough would quickly show up as negative credit. Link to comment Share on other sites More sharing options...
Denita Posted March 21, 2009 Report Share Posted March 21, 2009 Get a secured credit card with a credit union. Make sure the CU reports to the CRA's. This well help your score.As to removing the negatives, what are you working with specifically so we can help you. Link to comment Share on other sites More sharing options...
mt2va Posted March 21, 2009 Author Report Share Posted March 21, 2009 1) I'm trying to go the secured card route but I'm finding those aren't even guaranteed. 2) A bunch of bad stuff: (2) paid judgements. (stupid & didn't know any better & was scared to go to court) 1 for medical bills for my husband that I had no idea I could be held responsible for. 1 for NSF charges for a bank that I tried numerous times to pay before court & they refused. (long story but I had to close my bank acct & not all of the charges were valid)(3) charge-off's for credit around the $1,000 range (of course all were initially smaller but they've tacked on their fees) These are with Wells Fargo, Household, & Merrick banks(3) CA accounts that I have no idea what they are for. I've never heard of the CA or the OC. I'm currently disputing these with the CRA. I'm also DV 2 of them with the CA who has just recently sent me paperwork I guess since I disputed with the CRA(2) small collections from a medical bill & Dish Network....my mom paid these off before I started my credit repair journey & we didn't know to ask for a PFD so they are still on my CR but they are showing paid now at least(1) 90 & 120 day lates from Sallie Mae...I've written them a GW letter because this was either right before or during the time I was under forbearance (it was 3 years ago so probably isn't impacting my CR too much) Honestly if I could I would just wait it out & let them drop off. But they don't start dropping off until 2012 at the earliest & I really need to get this mess cleaned up before then. Link to comment Share on other sites More sharing options...
Laine540 Posted May 7, 2009 Report Share Posted May 7, 2009 If I were you, I would dispute your Sallie Mae lates with the credit bureau. If they are 3 years old already, they might be easy to get removed. Link to comment Share on other sites More sharing options...
Denita Posted May 7, 2009 Report Share Posted May 7, 2009 Try to dispute the paid judgements to just get them off the report. That alone will help you. Search here on the forum for 'removing paid judgment' to find out how. Link to comment Share on other sites More sharing options...
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