Emilie Hornsby asked 5 years ago I’m prettty much done. Most of my innacuracies have been corrected. Goodwills have been attempted multiple times without success.
Cap 1 has been good to me and I’ve opened a CC with my local CU, and a secured Discover. Next paycheck will be a CD secured loan with my CU.
From here, I just have to hang out and wait, and check my monthly CCT update.
It’s been an exhausting roller coaster. And the disputing has made me SO annoyed. For example, I have a student loan in collections, which will be paid in full in April of this year, and the balance was incorrect. They haven’t updated the balance in 6 months. I disputed the balance, and they added a comment “derogatory account”. AARGH. So I’m taking that as a sign to quit fighting,
and to just let things take their course for now.
I have one old charge off that is sticking around until November, I can’t pay it because they sent me a 1099.
Meanwhile, I’m just using my cards just enough to keep them active, and paying in full (I really HATE using credit cards as a payment). And I’m trying to save a grand a month for a house downpayment. Fingers crossed that my plan goes well…..
I’m so grateful for everyones help here. 