Credit Advice Wanted

[Psychosillex]

Hello,

Im 23 years old and have already jacked up my credit from when I first turned 18.

About a year and a half ago, once I was well on my feet and gotten a nice job, I decided I was going to pay off everyone I owed money to, and so thats what I did.

Recently after applying for an auto loan, I realized I could only achieve this with a co-signer.

My denial letters came back with:

"History of Late Payments"
"Too many 90 day derogatoy accounts"


All of my credit reports show my balances at 0. However they are all there with the bad payment historys.


When I start my dispute letters what should I be "disputing".


-Doug

[jjgross]

Originally Posted by Psychosillex

Hello,

Im 23 years old and have already jacked up my credit from when I first turned 18.

About a year and a half ago, once I was well on my feet and gotten a nice job, I decided I was going to pay off everyone I owed money to, and so thats what I did.

Recently after applying for an auto loan, I realized I could only achieve this with a co-signer.

My denial letters came back with:

"History of Late Payments"
"Too many 90 day derogatoy accounts"


All of my credit reports show my balances at 0. However they are all there with the bad payment historys.


When I start my dispute letters what should I be "disputing".


-Doug

What are you disputing about it.Try writing a goodwill letter to the creditor explaining how reckless you were with them,and you realize now how important your credit is to you now.Your disputing a fact that you admit to doing.