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New Contributor
littlesister
Posts: 68
Registered: ‎11-07-2010

1st post after over a year of learning

[ Edited ]

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

                       

Transunion Fico 753
Equifax Fico 756
Experian 817 (amex pull)
Established Contributor
frogfan12
Posts: 872
Registered: ‎10-16-2010

Re: 1st post after over a year of learning

Congrats on your credit success! Now the only thing is to keep it going. :smileyhappy:


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Established Contributor
namvet
Posts: 866
Registered: ‎09-22-2011

Re: 1st post after over a year of learning


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.       


 

Valued Contributor
RyVision
Posts: 1,346
Registered: ‎04-15-2011

Re: 1st post after over a year of learning

tfry;

 

I'd say you've done an absolutely  FANTASTIC JOB!!!! 

Established Contributor
Guava
Posts: 767
Registered: ‎04-08-2011

Re: 1st post after over a year of learning

A+++ :smileyvery-happy:


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011

Re: 1st post after over a year of learning

Congrats! You've made tremendous progress in a short period of time! :smileyhappy:

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: 1st post after over a year of learning

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. :smileyhappy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: 1st post after over a year of learning


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!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Frequent Contributor
LadyRover
Posts: 259
Registered: ‎01-10-2012

Re: 1st post after over a year of learning

Great story!  Congratulations on your credit success!


Starting Score: 639 (Walmart TU)
Current Score: TU 668 EX 649 EQ 657 (All Lender Pull 1-13-2012)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)


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Regular Contributor
credithappy
Posts: 140
Registered: ‎07-25-2008

Re: 1st post after over a year of learning

Congraulations to you.
In my wallet: Amex Zync - Amex BCP - Amex Mercedes-Benz - Amex PRG - Amex TrueEarnings - Emigrant Direct Visa - Xcel FCU Visa - Walmart Discover - Sam's Club Discover - Macy's - Bloomingdales - Nordstrom - Sam's Club CC - Discover IT and US Bank Visa FlexPerks, CitiHHonors Sig Visa - NAVcheck and NAVcashRewards Sig Visa

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