Removed 20+ negatives now what?!?!

QuestionsRemoved 20+ negatives now what?!?!
asked 5 years ago

Hi to all! Ay help with my husband’s situation would be helpful! I probably did wrong by him when I used the shopping cart trick to help get him some positive trade lines, but what’s done is done!  A little insight to what I have accomplished for him since about February this year:

 

He started out with below 500 points across all 3 CRA’s.

 

I have not signed up for MF reports yet, so I am unsure what the real scores are.  I used Identity Guard for a free trial and those are the scores I have. 

TU – 657

EQ – 553

EX – 632

 

 

February 2016                                                                                           

 

TU – 21 collections 1 CO                                                                    

EQ – 26 collections 1 CO                                                                   

EX – 22 collections 1 CO                                                                    

   

December 2016

 

TU, EX and EQ

 

1 medical collection $ 1,200 

DOFD 8/2010        

 

1 CO $ 360 –

DOFD 10/2010          

 

Going to ask for deletions in April

 

 

February 2016

 

 

No positive reporting tradelines

 

December 2016

 

Suncoast Secured        

CL $ 500        

$ 0 balance        

Opened 2/2016

 

New York & Co          

CL $ 250        

$ 0 balance        

Opened 8/2016

 

Boscov’s                    

CL $ 250        

$ 0 balance        

Opened 8/2016

 

Suncoast LOC            

CL $ 1000      

$ 0 balance          

Opened 8/2016

 

Navy Federal              

CL $ 2,300    

$ 200 balance    

 Opened 9/2016                            

 

 

Inquiries at this point

TU – 2 (NFCU pulled twice when became member)

EQ – 1

EX – 8 This was due to a local pull happy credit union

 

AAOA is 4 months Smiley Sad I feel this is the part that stinks, but I could be wrong, hence why I am asking for help! 

 

I want to get him into PenFed, but am unsure if he could make the cut. He is also planning on pulling the trigger for a CLI with NFCU in January after his 3rd statement cut and hopefully his 2nd AR. 

 

 

If I am missing anything please ask, as this is my first time posting specifics! A tremondous thank you in advance! 

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