I have had the same score now for the past 3 years. It is a 493. I have tried to establish new credit and keep getting declined. I have an auto payment that is in my sisters name that i have been paying on for over a year now. I brought receipts in to show them that i was the one making the payments and on time, they said it was not good enough. Because it would not show in my credit report. Any suggestions? I also received a copy of my credit report and alot of stuff on there was duplicates and were sold to different collection agencies. I disputed them and received a letter back from the credit bureu stating that the were validated and proved to be mine. Even after i stated they were dupilcates. I am wanting to purchase a new home with in 6 months is there anything i can do to jump my score up quickly. I have just received a secured credit card as you suggested. But that will only show 1 line of credit.
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and it will take one year to be a rated line of credit
that i dare say it your largest problemthe card reports to bureaus and is not a buy from a catalogue only card i hope for your sake\if they do report to a bureau and it is a catalogue car d keep it anyway for one year.
there are some new places on the internet that will take manual credit submissions.
but i do not think it will help with conventional mortgages as they only use
the big 3 transunion, equifax, experian here is a list i found http://finance.groups.yahoo.com/group/credit-repair/database?method=reportRows&tbl=1i would suggest going asking the board this same question
tell them bo sent you
they know how to deal with collections and duplicates, and i believe they might be of some help with these credit repair on yahoo groups
credit lawyer dole out free help here maybe they can do something for you
Sunday, May 04, 2008
I have tried to establish new credit and keep getting declined
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5 comments:
I'm having the same issue with duplicates on my report. It's hard to tell if one mistake dings my credit once, or multiple times.
one should show a zero balance and a date of last activity before the other starts or something is illegal.
I would dispute one or the other and see what happens
There are a few things that might help you. Getting your credit report is a good start. I also am in the process of trying to improve my credit rating, be very mindful of not over applying, everytime you apply and get turned down thats another mark on your credit report. If you think there are duplicates showing you can write to the agency and state your case. If you go to the compareandsave.com they have letter templates and guides on how to get this stuff in order.
Ok, bit short sighted, the templates are on this site. Even easier!
My report is bad!It's very hard to tell if one mistake..!Thanks for articles.
gary
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