So my wife added me to some of her good accounts, so that hopefully I can gain some good credit history from it.  I don't have much credit history as it stands, so anything will help.  She has a few credit cards, and merchant cards that she has had for a while with good payment histories.

So will give it a few weeks and check my credit scores again and see if they have improved.  Probably also need to raise some of her credit limits if possible.  Only problem with that is that we will get a cr...
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So I checked my TU credit score for free today on Credit Karma and my score went up 50 points.  Lexington Law received has removed all of my negative items on my Trans Union, so that is why.  Awesome!!!

Now just waiting on the other 2 to remove their items.  I should be receiving updates soon, so once I get them I'll get all 3 credit scores and post them again, so everyone can see my progress.

I hoping to set up like a forum or posting capability so everyone else can post their results too.  Wo...
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I received a letter from Trans Union on the 9th of February stating that 2 of my Express Recovery accounts are not reporting.  Then why are they showing up my credit report?  That is what I want to know.  I forwarded the letter to Lexington to keep them up to date on everything.

Not sure if they send new disputes now or if we are waiting for an updated credit report from Trans Union.  If these 2 collection accounts are gone that means I only have 1 collection account and a charge off I think.

I...
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So not as bad as thought and now in January it is 638, so 50 points higher.  My credit was much worse a few years ago, but I think several years of being married and being a parent has helped.  I have been a little more responsible and have piggy backed on my wife's credit a little bit.  My wife's average credit score is 680, so quite a bit better, but can still use some improvement. 

I have researched a few options on what we think would be the best options to raise our credit score.  The le...
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I ordered my credit report through www.identityguard.com Did a little research and they offered free credit reports from all 3 credit bureaus and all 3 credit scores free.  You still have to sign up for a 14-day free trial for their service and then you will be charged $17.99 if you don't cancel in those 2 weeks.  I just have to remember to cancel. 

I submitted my info, but they couldn't release my credit information without confirming my identity first.  So I called it to get it fixed and th...
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Well, I haven't done anything yet, ha. Like my title says, procrastination is a huge reason while most people have bad credit to begin with. They don't want to pay their bills on time, they don't want to call their creditor, and they don't want to repair their credit.

I have resolved to do these things, if not just for me, for my wife and kid, kids on the way, and so on.

I will order my credit report this week.

This is something I have to do to get started. Need to know what is on their to begin...
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