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Frequent Contributor
Posts: 278
Registered: ‎04-29-2007
0

score increase of 41 points

i have been working on improving my scores for sometime now and i had a student loan that was on my report as being 120 days past due so i called talked to a very nice lady, kind of reminded me of my grandmother, she was completely understand and they removed everything.  Funny part it was for a huge $0.92 yes they forgot to bill me for the last .92 and reported it as 120 days past due.  So that took my pitful score of 500 up to 541. i just was approved for a military clothing store credit card which has a lifetime interest rate of 0% so im hoping having this and paying my car payment and students loans on time and early and making more than one payment a month on them will help improve my score also.

Starting Score: 643
Current Score: 657
Goal Score: 700


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Moderator Emeritus
Posts: 9,252
Registered: ‎03-19-2007
0

Re: score increase of 41 points

Good job.
Just keep plugging at it.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: score increase of 41 points

Keep up the good work!
Established Member
Posts: 22
Registered: ‎06-23-2007
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Re: score increase of 41 points

Great work.  I've found talking nice to people (creditors) helps.  Odds are they've had issues in the past too and considering they probably get yelled at 10x a day someone being nice to them is a treat.  People will respond and help you more (like removing your bad record).
 
ErikArizona  :smileyhappy:
Starting Score 02/2001 BK - 472
Current Scores 07/26/14 - EX 761, TU 742, EQ 738, FICO 720
Utilization - 13.40%
Gardening Until 5/2016 - Chase Sapphire Preferred Visa Signature 16.4k, Capital One Venture World MC 12.5k, BofA Cash Rewards MC 10k, Walmart Discover 8k, Citi Hilton Visa Signature 8k, Wells Fargo Propel AMEX 7.5k, Harley Davidson Visa Signature 7k, Citi Diamond MC 7k, Discover IT 6k, Chase Amazon Visa 5k, AMEX Delta Gold 3.8k
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
0

Re: score increase of 41 points

Congrats on the 41 points. That path will definitely help your score. Good going. :smileyhappy:
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Regular Contributor
Posts: 186
Registered: ‎06-06-2007
0

Re: score increase of 41 points

[ Edited ]



ErikArizona wrote:
Great work.  I've found talking nice to people (creditors) helps.  Odds are they've had issues in the past too and considering they probably get yelled at 10x a day someone being nice to them is a treat.  People will respond and help you more (like removing your bad record).
 
ErikArizona  :smileyhappy:



I aggree 100%.  With our hobby (is this a hobby?) being polite is big plus.  You get a much better response. 
 
Although I do find myself screaming obscenities & physical threats at the automated answering services sometimes....:smileymad:
 
Live Long and Prosper,
ctRob


Message Edited by ctrob on 06-24-2007 08:03 AM
Frequent Contributor
Posts: 440
Registered: ‎06-11-2007
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Re: score increase of 41 points

[ Edited ]


ctrob wrote:



ErikArizona wrote:
Great work.  I've found talking nice to people (creditors) helps.  Odds are they've had issues in the past too and considering they probably get yelled at 10x a day someone being nice to them is a treat.  People will respond and help you more (like removing your bad record).
 
ErikArizona  :smileyhappy:



I aggree 100%.  With our hobby (is this a hobby?) being polite is big plus.  You get a much better response. 
 
Although I do find myself screaming obscenities & physical threats at the automated answering services sometimes....:smileymad:
 
Live Long and Prosper,
ctRob


Message Edited by ctrob on 06-24-2007 08:03 AM

lmao:smileyvery-happy: but BE CAREFUL... i must say i got my butt busted one time as i was cussing the "automated answering service"......i had called my insurance co about a claim, and every button i pushed connected me to yet another robot talking, so i lost my cool, said some ugly things not knowing that they could hear me, and when i did finally get a live person, the first thing she said to me was..."So, i understand you think I need to kiss your a** and afterwards I should go to he**"  
 
OOPPPPPS!!!!!!!!!!!!!!!!!!!! 


Message Edited by flygirl on 06-24-2007 10:24 AM
Frequent Contributor
Posts: 278
Registered: ‎04-29-2007
0

Re: score increase of 41 points

Haha that must have been odd

Starting Score: 643
Current Score: 657
Goal Score: 700


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