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.
