lainey1 Posted November 25, 2013 Report Share Posted November 25, 2013 I spent months combing these forums to repair my credit (mostly old CC debt from college teen and college years). I was able to have 2 collections, 3 charge offs and 1 sprint account removed and still have one MCM in dispute. Big thanks! I have a few more letters drafted for the CRA's to send in the coming months. What remains: 4 old charge off's that are due to drop off in the next 1-2 years 1 CC that I paid in full after delinquency 2 years ago. Student loans all in good standing, never delinquent but showing up twice (3 different loans showing up twice), paid & closed to due consolidation. Student loans were are consolidated under one loan - 60k in good standing, never late Capitol 1 credit card $500 limit for 1.5 years, never late, good standing Many inquires from trying to get a car loan the last year unsuccessfully. January 2013 due to bad credit (mid 500's) and again earlier this month for lack of installment loans (?). I used eliminateIDtheft for daily pulls and to monitor changes closely- today TU 611 EX 608 EQ 599 Two things I am working towards: Getting a car loan in my name and buying a house with my husband. He currently has both car loans in his name and was advised by a mortgage broker to fix that. I will continue to send my dispute letters but is there anything I can do to help raise my scores? I'm worried about my DTI ratio so another credit card seems dumb? What about a secured installment loan? Thank you! Link to comment Share on other sites More sharing options...
admin Posted November 26, 2013 Report Share Posted November 26, 2013 http://www.creditinfocenter.com/repair/Repair.shtml Link to comment Share on other sites More sharing options...
CordusAdmin Posted December 4, 2013 Report Share Posted December 4, 2013 @lainey1 - you have been doing all the right things so far but have you done anything about building new credit? Link to comment Share on other sites More sharing options...
lainey1 Posted December 4, 2013 Author Report Share Posted December 4, 2013 @lionhunter No that's where I'm stuck. I'm not sure where to go from here. I only have the one credit card and student loans. I've looked into a personal loan but it seems dumb because I don't need it. Another credit card? I think that is the main reason my scores are stalled - nothing current going on. Any advice would be appreciated. Link to comment Share on other sites More sharing options...
admin Posted December 4, 2013 Report Share Posted December 4, 2013 Join a credit union. Link to comment Share on other sites More sharing options...
CordusAdmin Posted December 4, 2013 Report Share Posted December 4, 2013 @lainey1 - I agree with @admin - join a credit union and take out an installment loan. Not too large but one with a low monthly payment and short duration - say 12 months - and pay it off and on time. Also, we have a lot of articles on ways to rebuild your credit => http://www.creditinfocenter.com/rebuild/ 1 Link to comment Share on other sites More sharing options...
Recommended Posts