Very addictive! When I found this site, I was only focusing on one creditor that was still reporting on EQ (removed or changed on TU & EX) - in two weeks I have GWed at least 8 creditors, faxed 2, disputed with bureaus back and forth 10? (EX will not budge, even with notice from creditor) may have to resort to MOV for 1 or 2. Really discouraged to see so many BKs/derogs/forec on here with scores higher than mine!? We have unfortuneately become sucked into the subprime lending hole over past 2 or 3 years. No new apps for CC but a high interest auto loan (15% C.O.) and Home Eq decline (EQ). Not a lot of lates, no unpaid collections (3 removed or changes with letters), Student Loan reporting to all 3 reporting bad on EX during the time that I was consolidating and deferring (still deferred) received a letter from them that they agree to change per our phone conv (don't remember talking to them? - one less GW to do) I think I am done - just wait a couple of weeks.
A couple of days ago, my EQ Fako score jumped from 449 to 504 then back to 480 in one day!? Looks like it might have been an account that was in dispute then confirmed. (My husband is in or above mid 500s?) Am trying to joint all accounts.
Wait till all my letters hit - give Creditors time to respond - purchase TU True Credit to watch all 3 for awhile - then I am going to apply for CCCU or Citi AA or Delta Skymiles for higher TL. Next step will be to refinance auto loans. In 6 months, Reapply to credit union for home equity to remodel kitchen!
Finally feel in control with a plan.
Without this site I would not have had this success! Very Addictive. Really scary when you view your profile with logged on time.
Message Edited by golfmomfor3 on
08-07-2007 07:57 AMMessage Edited by golfmomfor3 on
08-07-2007 08:06 AM