Trying To Rebuild Credit With No Sucess

[NOMOREBADCREDIT]

My advise is to give it some time before youo start rebuilding. I would first start with the claen up of the credit reports. And allow at least 6 mpnths from your discharge to start applying for new credit. You need to give your scores time to settle down before you do anything.

i have got credit with target. but trans union is not reporting right see post ^

[NASCAR20FAN]

TRYING TO REBUILD CREDIT i can not get approved with no one i tried for secured card no one will give me credit. what can i do to get started to rebuild thanks.

My advise is to give it some time before youo start rebuilding. I would first start with the claen up of the credit reports. And allow at least 6 mpnths from your discharge to start applying for new credit. You need to give your scores time to settle down before you do anything.

[NOMOREBADCREDIT]

check out my new post that show how trans union reported on cr.

http://www.bkforum.com/showthread.php?p=140149&posted=1#post140149

[NOMOREBADCREDIT]

thanks everyone

[wayne-o]

the high balance is highest the balance ever was not current balance. As long as that number is correct, they can leave it there. The balance is blank is the same as a 0 being there, they are not showing a balance.

[NOMOREBADCREDIT]

What you need to look for is the date of last activity and the date of first delinquency. That will tell you when the accounts will fall off your account. If those accounts were IIB, then those dates should all be around the same time. I have found that writing letters with my point by point disputes and documentation has had good results. I still have a way to go but it is getting better.

I Have writing letter but have had no suscess.

[rrockinggramma]

What you need to look for is the date of last activity and the date of first delinquency. That will tell you when the accounts will fall off your account. If those accounts were IIB, then those dates should all be around the same time. I have found that writing letters with my point by point disputes and documentation has had good results. I still have a way to go but it is getting better.

[NOMOREBADCREDIT]

Nomorebadcredit, IIB and zero balance is how each and every account should read.

TRANS UNION HAS A HIGH BAL. AND WERE THE BAL IS BLANK.

[FLBK7]

Nomorebadcredit, IIB and zero balance is how each and every account should read.

[sandhall]

FLBK i did same thing blacked all other accounts but the one i was disputing on my creditor matrix and discharg papers and wham it was corrected. Nomorebadcredit try that it helped and my scores went up

[NOMOREBADCREDIT]

iam still getting the same problems from trans union states my disputes are frivolous. and experian had put everything IIB with no bal does my score go up with no bal.

BUMP

[FLBK7]

I'll have to look up why some people believe a person should not send in discharge papers. I'm not sure of the reason. Once I find out, I'll post what I found out.

Sending my discharge papers to all 3 CRAs was the ONLY way I could get them to correct 4 different First USA accounts. (I believe First USA is now BOA, although I'm not 100% sure. All I know is that they were bought by another bank.) For over a year after discharge the CRAs refused to report correctly. They showed my First USA accounts with balances due as well as charged-off. Each time I disputed this, they came back as verified.

Once I sent my discharge papers (with all creditors blacked out except for the First USA accounts) the balances due instantly became $0.00. The charge-offs remained for about 5 months. And then, lo and behold, all 4 First USA accounts simply dropped off all my reports!!!!!!! I didn't even request THIS. It just happened.

I have no intentions whatsoever to dispute my BK as "not mine" -- so sending in my discharge papers was a great decision that got me much more than the desired results.

[emoney]

The first thing is to get copies of your credit report from the three CRAs. Then get the reports as accurate as possible.
Next get reports again with your scores, this will cost about $50. The first reports are free as you can recieve one free report per year.
The best securied card (lowest cost) I could find was First National Bank of Omaha @ $20/year. With some persons paying $200 for a $300 credit CC, no wonder they are in finincial trouble. This bank reports to all three CRAs monthly.
The next thing is to establish a CD at a bank that will loan you money with the CD as security. Yes that will cost you a few $$$ in interest v what the CD will pay, but my savings on insurance with a good FICO score came to over $200/year.
Within six months of payments you will be on the out of the bad credit garbage dump.
Remember you must make life style changes to stay on the right side of life.
I hope this helps, as it worked for me.
regards,
emoney

[NOMOREBADCREDIT]

Thanks everyone for youre help iam having problems with experian will not do any disputes i mail them the disputes. trans union sends me a letter stating my disputes are frivolous. trans union states they verified the accounts that where discharge in bk. hows that.

iam still getting the same problems from trans union states my disputes are frivolous. and experian had put everything IIB with no bal does my score go up with no bal.

[6ftladycop]

Good job. Anybody that can get someone to do something positive concerning the credit bureau's and their credit report is o.k. in my book.