The credit Repair Thread

[DamienWayne]

In the 500's help a breh out

 

[Bubba T]

In the 500's help a breh out

What's on your credit report?

 

[DamienWayne]

What's on your credit report?

Student loans and about 5k in credit card debt .

 

[bnew]

I have an old telephone bill that was fraudulent aswell as a car rental bill that was due to me getting a DUI that I beat in court. How does one get these removed from said credit report ? Please help greatly appreciated

 

[Bubba T]

Student loans and about 5k in credit card debt .

So no collections? What is bringing your score down? Student loans have been forbearance for some time now.

 

[DamienWayne]

So no collections? What is bringing your score down? Student loans have been forbearance for some time now.

Had a few late credit payment over that last year

 

[Ducktales]

Yo shout out to all of you with your advice and personal experience. I started off the year at 505 and now I’m at 567. I still got a ways to go, but I think I can touch 600 by end of the year if not more. I listened to a lot of your advice on getting those derogatory items removed and planning out things ahead of time with paying off bills. Still got a lot more work to do, because obviously I’m not close to good credit yet but I was feeling hopeless back in February amd I think I finally got a plan to figure this shyt out by next summer to use my VA loan for a new home (just need a 620)

 

[Bboystyle]

In the 500's help a breh out

Start off with secured credit card(s) and an online store card like Fingerhut. Thats how i went from 530 to 780.

U can also use a service like Self. Its a program that helps u save but each payment u save is reported to the credit bureaus as something u are paying off (which u arent). After one year, u get all the money back minus like a small fee (about $10) all while building your credit

 

[Bboystyle]

Yo shout out to all of you with your advice and personal experience. I started off the year at 505 and now I’m at 567. I still got a ways to go, but I think I can touch 600 by end of the year if not more. I listened to a lot of your advice on getting those derogatory items removed and planning out things ahead of time with paying off bills. Still got a lot more work to do, because obviously I’m not close to good credit yet but I was feeling hopeless back in February amd I think I finally got a plan to figure this shyt out by next summer to use my VA loan for a new home (just need a 620)

Buying a home right now is a bad idea breh. Prices are so inflated its retarded. Houses are damn near tripled from 4 years ago. U might wanna hold off unless u despearate

 

[Rich Spirit]

Start off with secured credit card(s) and an online store card like Fingerhut. Thats how i went from 530 to 780.

U can also use a service like Self. Its a program that helps u save but each payment u save is reported to the credit bureaus as something u are paying off (which u arent). After one year, u get all the money back minus like a small fee (about $10) all while building your credit

I applied for one of those secured credit cards and got denied

 

[Earnings]

My shyt dropped from 740 range to 640 all cuz of 2 fukk ass missed student loan payments. Was 100% on time before that

They did it at a time where shyt was supposed to be suspended for COVID. How would I go about getting it resolved? Contact Student Loan demons directly?

Figured I could use tradelines as a band aid if I needed a quick boost

 

[Reno89]

Has anyone on here been on early warning services? I went to go open an account with a credit union, and they told me I was placed on early early warning over a $600 balance that I had back in 2015, even though I already paid it off.

 

[NatiboyB]

PRODIGY ATTACKS – BUY YOUR PRODIGY GENERATIONS TODAY (prodigywaves.com)

Someone check this out it's kind of like credit versio and you can use it to help generate disputes all software based that you fax to the CRAs. Not sure if anyone is repairing their credit right now but this seems like a good option if you don't want to use those corny templates everyone else uses considering that all the CRAs do is upload/scan it into their system. It would at least safe on postage. Uses the metro-2 compliance dispute method.

 

[bnew]

 

[Tr0yTV]

Just got the gold Amex shyt Brazy. I was in the 500s a couple months ago