Feels good being one of the few educated doesn't it? 
The inanity of the system is starting to amuse rather than annoy me.
And I always liked games 
Now, if only I can figure out how to win the changing of the "buckets, pools and scorecards" part of the FICO game!
Just keep doin' what you're doin'. I think many of them are based on history, so you simply have to let time go by until you have x number of TLs with y number of on-time payments, and baddies a thing of the not-so-recent past ...
fused111 wrote:Now, if only I can figure out how to win the changing of the "buckets, pools and scorecards" part of the FICO game!
I think once one reaches a certain point one's only friend is time
I like to add some good news when possible
And success is possible
rifleman wrote:
PLEASE ILLUSTRATE HOW YOU BUMPED IT THAT MANY POINTS IN SO SHORT A TIME
OK, I promise I will, if you will take the Caps Lock off
I was fiscally responsible for 6 years and that has not changed
I got free credit reports in February and disputed everything disputable. I got 3 full credit reports from here and redisputed everything that they had not removed, using some suggestions from here. I checked who pulled which CRA reports for which cards and got 1 extra card from my highest score (which had least inqs) to triple my available credit. I paid my CCs twice a month - 95% before the statement date, the rest after the statement (I love free on line banking and 24/7 access to CC status). I became (am becoming) joint with my wife on everything good we have. I avoided all unnecessary hard pulls like the devil. I talked to people about how to what in the short and long term.
It took a lot of effort and time, but again, long term it will be worth it.
Stuff started trickling in, but nearly everything hit at once in late May, early June. EX still hates me.