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Regular Contributor
Posts: 234
Registered: ‎04-06-2012
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hello all

I know i have been posting alot on here and have gotten a lot of great feedback from many of you especially scott, shogun, jmam, and moving forward guys have been great actually all of you have been great and i do not know or phathom where i would be credit wise without all of you....... so for that i thank all of you


in the end of 2011 i faced up to my credit issues and pulled my scores low 400's, stupidity from college had put me and my wife in a world of credit hurt.  i somehow through divine intervention came across this website.  i became OBSESSED i checked read and lurked everyday for almost a year. 


in that time being i have removed many many things at one poing before i was with lex law... dropped them after three months after one bs deletion that ended up coming back anyhow.  i started sending gw's like crazy called and followed up called and followed and called and followed up again. 


i worked on mine and my wifes dumpster scores all year long in hopes of putting my young family in a home within a year. 


i pulled my scores today as well as hers


mine---- EQ 664    TU---- 707   EX fako----680


wifes----- EQ 647  TU--- 687  EX fako--- 657


To all of you thank you so much we spoke with a broker today and were pre approved immedietly for 375k  way way more than i ever want but still it feels amazing after almost being turned down to get a friggin apartment and worrying about that to be in a position for a mortgage.


I owe it all to you guys a gals so again thank you thank you thank you



Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
Valued Contributor
Posts: 3,302
Registered: ‎06-09-2010
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Congrats and happy house hunting...

Good Luck
May all your dreams and wishes become a reality!
Established Contributor
Posts: 546
Registered: ‎12-28-2012
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Congratulations Smiley Happy

My Wallet: Amex Express BCE $27,000, Amex Express Blue Sky $6,000, Discover $10,000, Chase Freedom $5,000, Capital One $3,750, Barclay $8,500 (AU), Jared $10,000, Pottery Barn $8,000, Sam's $10,000, Ashley's Furniture $6,000, Lowe's $7,500 (AU), Express Next $3,360, and Macy's Store Card (Joint Account) $2,000.

Last Application March 25, 2014. Score ranges 700+
Frequent Contributor
Posts: 367
Registered: ‎01-14-2012
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Congrats! Your hard work paid off- Hope you find the home of your dreams!

Valued Contributor
Posts: 2,802
Registered: ‎10-10-2012
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Nice going, Congrats on the pre-approval.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
New Contributor
Posts: 157
Registered: ‎01-09-2013
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Lender Pull EQ 745 EX 734 TU 722
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
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Congrats!!! That is absolutely phenomenal! I am so very happy for you and your family. I know you are walking on water right now. Great job! Those are terrific scores and a excellent approval amount as well. Our family wishes you the very best and now, go out there and find your dream home! Wow! 400's to 700's in a year...that is mind boggling and proves that what you put your mind to, will be. You worked so very hard and now it is going to pay off for you. Keep us posted, future homeowner! :-)
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
New Contributor
Posts: 53
Registered: ‎01-11-2011
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Awesome & very encouraging to those of us also working on our scores!!!!  Good Job & it is so worth it!!  I have even gotten my husband addicted to this!  Thanks for sharing!

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