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Hello Everyone,
I found this forum while searching for info on EOS-CCA that had me pinned with an old ATT bill of $11K!. Because of information that I found on this site, I was able to have this removed from all 3 CR and my Fico jumped 700 to 806 on Equifax as of this morning, Im sure TU is close as well. Anyway I decided to see what it would get me...
Discover More 12.99% APR $7500 CL
Citi ThankYou Preferred 12% APR $8000 CL
Before this my highest CL was Dell @$4000, Chase Freedom @$3500 and BOA @$2500
Best part is that I can part ways with 3 cards from HSBC/Capital One that total $1750 in CL that are 4-6 years old and .... wait for it...
I can close Credit One $1525CL and Applied Bank $2300Cl !!! I know these two are frowned upon but they served me well as far as getting my act cleaned up.
Only thing left is to finish rehabbing my student loans and my Experian should be right up there with the other two and then I can tackle AMEX again. Hopefully I will still be able to backdate to '98 but we shall see. At this point, who cares.
Thanks for all the great advice from everyone that puts their info out there for others to see and benefit from. I plan and hope to contribute when I can for years to come.
Have a GREAT Holiday Season
Orlando
congrats! I cant wait until I can get an AMEX card or a limit over 5000. lol
Congrats! Amex is still a ways down the road for me, but definitely a goal -- the top of the CCC food chain...
Grats on your progress. I'm a little jealous as my scores are only crawling up very slowly now But nice going.
Congrats! Patience pays off.
Keep up the good work!
This site is responsible for the success of many users in their credit journey!
@ObeyJohnny12 wrote:Congrats! Patience pays off.
Keep up the good work!
This site is responsible for the success of many users in their credit journey!
There is no other place like it that's for sure.
AWESOME! Huge congrats!
Congrats - nice work on the clean up!
Wow! An 800+ achiever! Congratulations!!! With your record I'm sure you'll get approved for almost any cards you want.
How did you remove the ATT bill from the reports by the way? I'm trying to help a friend deal with a similar issue.