....my credit history disappeared.
a year and a half ago i had 0 credit history, a FICO score less than 600 and i couldn't get a decent credit card or loan. now i have 12 or 15 great credit cards, $150k in revolving credit and my transunion and experian FICO scores are between 775 and 800 and my equifax FICO is about 720. i can get approved to buy a house with no problem....and it took me no more than a year to get there. it's easier than you think and you don't need to hire an expensive consultant to do it. granted it was much easier for me than for someone with baddies or a bankruptcy, but even with that, you'd be surprised how easy it is to get your credit back on track.
i can help you find out what you need about your credit and i can tell you where to look to get the info to fix baddies on the report. i can also show you how to bump hard inquiries off of your trans union and equifax report (it can't be done on experian).
message me if you want any detailed info. as for getting your credit scores, it's free at creditsesame.com and creditkarma.com...i recommend them highly. the scores these free sites give your are not true FICO scores....in fact, they probably aren't even close to what your true FICO scores are, but the reports they give you are invaluable otherwise. they will tell you what bad things and good things are on your report. this is a great start for anyone trying to fix their credit.
getting your FICO scores for free can be tricky, short of going to a bank and applying for a loan. the problem is that will leave you with a hard inquiry on your report......3 or more of these in a 2 year period and your score degrades and lenders tend to shy away from you. but, there are ways of getting your FICO scores free monthly without taking hits on your credit report. if there's enough interest here, i will elaborate. if not, private message me and i'll help you get all the info you need.
= new reply since forum marked as read