What’s the fastest way to get some credit history. HRC just cleared all my debts,and want to start building up my score.

Just wanted to share a win and the strategy I used. My Discover charge-off was reporting different Date of First Delinquency information across the bureaus. I disputed the DOFD discrepancy with Experian, and after the investigation, the entire Discover account was deleted. My Experian FICO 8 jumped 55 points, from 667 to 722. I then disputed the DOFD with Equifax and attached the Experian dispute result showing that the same Discover account had been deleted. The Equifax dispute is currently still in process, but my Equifax score has already jumped 32 points to 775. Sharing this because checking the actual reporting details across all three bureaus can make a big difference. I’ll update the group once the Equifax investigation is officially completed. Hoping it don’t come back🙏

Big win today 🔥 I got an old Discover charge-off deleted from Experian and my FICO 8 jumped 55 points, from 667 to 722. What I did was compare the Date of First Delinquency being reported across the bureaus. I noticed the dates did not match, so I disputed the DOFD with Experian and asked them to verify the correct date with Discover and update the reporting if inaccurate. Experian completed the investigation and deleted the entire Discover account from my report. I then used the Experian deletion result as supporting documentation for my Equifax dispute and asked Equifax to verify its DOFD reporting as well. Now I’m waiting on the Equifax investigation. Appreciate everything I’ve learned from the group and mentorship 🔥🚀 I’ll update everyone with the Equifax result.

HRC = 🐐 Good morning to all. Ima just leave this right here.

HRC done swept everything off my Experian. Now Transuion & Equifax need to follow. But I have a question, I sent goodwill letters for both accounts that were reporting late payments right before I got them removed by HR team. Idk if that will trigger them to reactivate the accounts if thats possible because the letters didn’t deliver yet.