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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

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

                       


Your journey has been excellent so far!! wtg!! Maybe you should consider joining us in the garden for awhile!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 81
Registered: ‎01-27-2012
0

Re: 1st post after over a year of learning

Kudos to you for reading!  and your patience...

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: 1st post after over a year of learning


radiomando wrote:

Kudos to you for reading!  and your patience...


Just noticed your sign on day here, Welcome to the forums!!!

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 68
Registered: ‎11-07-2010
0

Re: 1st post after over a year of learning

Thank you to all !!  I am trying to garden and I love to garden.  The thing is over time I tend to change things for the better and of course I always go bigger.. With that said, it is hard, but I am still hanging in there. Besides, I already have all the cards I need and want. I couln't ask for more.

        I will now work on cli when the time comes.  I usually no by reading all the posts and then I do it. These forums are invaluable.

         I have to shut my computer off some days because I can't seem to get enough.

Transunion Fico 753
Equifax Fico 756
Experian 817 (amex pull)
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: 1st post after over a year of learning


tfry wrote:

Thank you to all !!  I am trying to garden and I love to garden.  The thing is over time I tend to change things for the better and of course I always go bigger.. With that said, it is hard, but I am still hanging in there. Besides, I already have all the cards I need and want. I couln't ask for more.

        I will now work on cli when the time comes.  I usually no by reading all the posts and then I do it. These forums are invaluable.

         I have to shut my computer off some days because I can't seem to get enough.



Anytime you get the itch for something new, refer back to this statement!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 81
Registered: ‎01-27-2012
0

Re: 1st post after over a year of learning


LS2982 wrote:

radiomando wrote:

Kudos to you for reading!  and your patience...


Just noticed your sign on day here, Welcome to the forums!!!

 

 


thank ya LS :smileyhappy:

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