So as you can imagine from the topic of this thread, I am in major building mode. I started credit repair on Feb 13th 2007. My efforts have been paying dividends, and I've learned quite a bit though the process. To date I've had 18 TL's deleted that were reported erroneously, DV'd a couple legits and PFD on those three. I PIF ALL of my Student Loans (my wife had a FIT!) AND traded in my car for a new one...
To date this i what I've added to my CR's:
WAMU $1500 (AU wife) opened in Nov. 06
CAP1 $300 (AU wife) opened in Nov. 06
HSBC $300 (AU wife) opened in Nov. 06
BofA $12,100 (AU dad) opened in Dec. 03
FIA $16,000 (AU dad) opened in Jul. 94
Macys $100 (mine) opend in May 07
Orchard Bank $300 (mine) opened Jun. 07
BofA $500 (mine) opened Jun. 07
Volvo Financial (mine/wife) opened Apr. 07
Chrysler Financial (mine) Opened Aug. 03 PAID AS AGREES (paid/closed)
My wife was just recently received Kay Jewelers $1500 (soon to be AU)
She also recently approved for Hooters $500 (soon to be AU)
I just PFD (with docs prior to PIF) of three medical collections that are still on my CRs but CA assures they will come off next week (teletype reporting first Mon of month? It's what they said)
That leaves my PIF Student Loans paid in Feb 07 still reporting as COLLECTION ACCOUNT (paid/closed) on three lines for the same accounts
and last reported 120 day late in Feb 07 on all three. @$%$%
But I have a feeling that my scores will be moving up and past the prime tier in a matter of months. My Dads accounts will be reporting on the 12th and 16th respectively according to the CCCs (Iwas added as AU 60+ days ago) My hope is that these accounts will bring my scores up to respectable levels nearly immediately.
My repair program has been moving at an expedited rate, and I'm hoping I have not screwed anything up.
MyFICO scores today are:
TU: 595
EX: 500
EQ: 552
When the AUs from FIA and BofA hit I will pull new FICOs and report back. Hoping for the best.
Take Care.
Rob
Message Edited by FICO_Focused on
06-11-2007 11:24 AM