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Established Member
Posts: 19
Registered: ‎06-23-2007
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trying to raise my score. what do you think of my progress?

hello all? this forum has been very interesting and i have learned a few things from reading the stickies at the top. over the last 11 months i have been working to restore my credit and this is what i managed to do since july 2006. i paid off my old saving account which the bank had sent to collections unfortunately the damage had been done. 24 missed payments on a bunch of bank fees so this has completely destroyed my credit score and there is no way i can have this removed from equifax/trans union. i tried disputing it over everything i could think of i wrote letters to the bbb i wrote letters to head office i wrote letters to the cibc ombudsman. needless to say it was a waste of my time as it helped in no way. my fico score started at 477 July 2006. when i paid off cibc my fico score went up to 484. in September 2006 i went a applied for a secured visa from canada trust with a $500 limit. after the 1st billing cycle in November 2006 my fico score was 573. in April 2007 i applied for a secure line of credit for $5000. i checked my credit files from equifax/trans union. my score and trans union is 572 my score on equifax is 602. is this good? i do not want be negative but it seems like i did a lot of work for next to no improvement. am i on the right track? thank you all for your time.
Posts: 132
Registered: ‎05-02-2007
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Re: trying to raise my score. what do you think of my progress?

More than 100 points in a year, that's nice progress.
Keep up the good work!
Established Contributor
Posts: 578
Registered: ‎06-18-2007
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Re: trying to raise my score. what do you think of my progress?

I'd say you're making excellent progress.  Keep it pushin'!
Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
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Re: trying to raise my score. what do you think of my progress?

Keep paying on time. That's good progress. Nice work.
Frequent Contributor
Posts: 470
Registered: ‎04-07-2007
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Re: trying to raise my score. what do you think of my progress?

Nice work, indeed!  Take heart, about being unable to delete the negatives, knowing that the older your baddies get, the less impact they have. 
Keep on Keepin on!
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
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Re: trying to raise my score. what do you think of my progress?

It can feel that way until you need credit and you find out how much that work was worth it! Good work. Smiley Happy
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc

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