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I finally figured out how to post and thought I would share my story. . I have been reading the forums for the past 1.5 years and quickly learned all about credit and its importance. Now I start to gather all my reports and I circle all the negative things, as I know I need to clean this up . Before I did this I researched everything I could find out about credit reports. I was now ready to start disputes.
My original score was 535 according to credit karma when this began and I only had macys, walmart,orchard, hsbc,credit one,applied bank, credit cards. My disputes were a success one by one, but slowly sometimes.
To make a long story short, my credit reports are now clean, not one negative or baddie. I start to rebuild slowly , at first anyways. I go these cards in this order...
Capital one-
Capital one-
exxon-
Sams club-
Discover More-
Citi diamond preferred rewards card-
(now thank you)
American express Blue sky-
American express blue cash pc'd to bce-
Lowes-
FNBO Discover-
Chase freedom-
Elan financial visa-
I think this is it.....
My credit score is now 756 equifax, 753 Transunion
Congrats on your credit success! Now the only thing is to keep it going.
@tfry wrote:I finally figured out how to post and thought I would share my story. . I have been reading the forums for the past 1.5 years and quickly learned all about credit and its importance. Now I start to gather all my reports and I circle all the negative things, as I know I need to clean this up . Before I did this I researched everything I could find out about credit reports. I was now ready to start disputes.
My original score was 535 according to credit karma when this began and I only had macys, walmart,orchard, hsbc,credit one,applied bank, credit cards. My disputes were a success one by one, but slowly sometimes.
To make a long story short, my credit reports are now clean, not one negative or baddie. I start to rebuild slowly , at first anyways. I go these cards in this order...
Capital one-750.00
Capital one-1500.00
exxon-400.00
Sams club- 1200<2700<7700<10000.00
Discover More- 4000.00
Citi diamond preferred rewards card- 6800.00<8000.00
(now thank you)
American express Blue sky-2000.00<3000
American express blue cash pc'd to bce- 2000<3000 Transferred line from sky now at 5000
Lowes- 2400<2700<5000
FNBO Discover- 6500
Chase freedom-5000
Elan financial visa- 7000
I think this is it.....
My credit score is now 756 equifax, 753 Transunion
Wow, it would appear you pay attention to the advise on this forum. Great job! As you mentioned the way to get to your goals is going about it slowly and i agree with you. It takes time and patience to obtain some credit independence. Congrats and thanks for your post.
tfry;
I'd say you've done an absolutely FANTASTIC JOB!!!!
A+++
Congrats! You've made tremendous progress in a short period of time!
Welcome to the forums; thanks for joining us!
And thank you for sharing your story. What a fantastic job of rebuilding! You have every reason to feel proud of yourself. Great job, and here's to nothing but success from here on out.
@RyVision wrote:tfry;
I'd say you've done an absolutely FANTASTIC JOB!!!!
+10000000
Wonderful story, you have a lot to be proud of.
Thank you for posting this, I always love to read success stories!!
Great story! Congratulations on your credit success!