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08-22-2016 02:52 PM
great post with great info.
I was discharged today and trying to start figuring out what my next step(s) will be
09-04-2016 01:53 PM
09-16-2016 07:53 PM
10-19-2016 06:56 AM
10-19-2016 10:50 AM
I again disputed for Equifax to remove the judgwnt listed. 2 days later i get a response..Equifax DELETED the judgement from my credit report!
Now other than the BK I don't have any negatives on all 3 reports. I'm super stoked!
That's awesome news! Congratulations
11-06-2016 12:10 PM
Went online with Capital One chat on my Platinum MC and requested a PC change on my Platinum MC to a QS.
BAM! Upgraded. QS w/ no annual fee. I also requested a CLI but the agent said it would be 2-3 days for approval. Small steps but it seems like I'm moving in the right direction.
11-06-2016 08:38 PM
Awesome seeing your progress! Congrats!
11-11-2016 08:48 AM - edited 11-11-2016 08:53 AM
So I was denied a CLI from Capital One :-(, but I'm not surprised since my 2nd statement is just cutting today. I'll try again for that in a few months. My new QS card should be comming anyday now.
I did just signed up for the 7 day trial on creditchecktotal.com to see my scores, and to make sure the dispute w/ EQ did result in them removing that judgement I had disputed. The judgement was indeed removed :-). My scores were as follows:
CURRENT 11/11/2016 COMPARED TO 10/2015
EXPERIAN - 673 EXPERIAN - 668
TRANSUNION - 648 TRANSUNION - 601
EQUIFAX - 667 EQUIFAX - 611
One thing I noticed was my Capital One card is not showing on any of the 3 bureau's. My 2nd statement is set to cut today so hopefully it'll pop on there in the next month or two and give a bit of a boost to my scores. Anyone else experience this lag w/ Capital One?
I'm in the garden until at least Febuary when I'm going to try and re-finance an auto loan that is now through Ally Financial and only reporting to Transunion, I think at that point I'll try for a CLI on my Penfed card also and possibly a PC to a cash rewards card.
I'm hoping with both cards starting to report that my scores will slowly get up to the 700 level by the time I hit 24mos.
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