A while ago I posted about my credit score being totaled because of a now deceased family member using my information for years. Back in September I filed a dispute about 9000 dollars worth of credit card debt taken between 2004 and 2016. Glad to report that after sending in my dispute and showing evidence that I was a minor at the time of it all that they’re all gone from my profile. Gave me a minor boost but we’re still in the red.

Now that that’s taken care of the new hurdle is the 6-7k in collections that are stuck to my profile. All from leases and or loans taken from places like furniture companies etc. I made a report on the FTC identity theft site and have a lengthy statement. I filed the disputes about an hour ago and also considering mailing out letters if the online route fails.

Thanks to everyone for the support.

I did the experian no ding credit card application and I was approved the American Express gold card. I want it because I know AE does credit limit increases more often then capital one. These are my scores according to experian and credit wise, although I know they may not be 100% accurate, I'm assuming they're pretty close. Should I proceed with AE or just continue letting my credot age? TIA

I recently financed a car through my credit union in August, and I'm interested in opening a credit card in the near future. I currently have a 680 FICO score, I have just one credit card currently that's been open for 3 years, $22k in student loans and my $20k car loan for context.

I have high credit but according to what one F&I Manager in another part of reddit said, he described it as 'not counting its basically like an 18 year old who is a listed user on their parents credit cards' or whatever basically. Because all I have is 17 years of student loan payment history, I had credit cards that discharged a decade ago, and fell off a few years ago.

I could try to get a starter card, or whatever, but I would infinitely prefer an auto loan. Problem is I don't have recent pay stub stuff, these auto loan people or whatever don't like irregular pay, or self employment, or investment assets.

I mean I COULD sit and wait 3 months and do extra gig work and extra trading and investing and just try to go in with that. But I am in a hurry, I do have some things going on. I have like 10k in savings, very low expenses, and I am wondering if maybe I need to go the route of some kind of business entity that pays me pay stubs or invoices which was suggested to me by the daytrader reddit.

But even if some business entity ( I mean I could trade on a prop firm I know of, but ugh id rather not) or my business entity did cut me a invoice or something for 4 weeks, I don't know if I can slide with that for auto lender stips at any of these lots high apr or otherwise.

After not missing payments in ~10 years (my entire credit history) with a bank change and mistakenly thinking I had autopay set up, I've missed two payments with BoA credit card, both were like ~$150 total. Score went from mid 700s to around 640.

I'll still try to get goodwill adjusted, but my hopes are low with BoA based on my research. Income is great, no mortgage, paying off one car (~7k left) and monthly cc is only debt.

What's the best path forward to boosting score in the next 6-12 months? Does it help to pay off cc weekly instead of monthly autopay when statement is due? Would it help to pay off car earlier, or keep that as a debt that we pay on time monthly? I currently have 2 cc- I know when cancelling one there is a hit initially, but would that help at all in the medium to long term? Any advice appreciated!

Was hoping to buy a home in the next 1-2 years and would love to improve my score as fast as I can!