I started this little project in late January and the results have been almost immediate. It helps that I have an awesome wife that helped me but most of it was done with perseverance.
To Start I had 4 "Baddies"
Radiology Bill for $973
Time Warner Cable Bill for $473 from 2008
Student Loan for $2103 from 2003
First Premier 30 Day late from 2014
My scores were 572 TU 568 EQ 544 EX on or about January 20, 2015
In that time
Radiology Bill for $973 was paid for and deleted from All Three CB's
Time Warner Cable Bill for $473 from 2008 was paid for and only deleted from Transunion. This one is stubborn but will fall off naturally in June but naturally I am not waiting for that.
Student Loan for $2103 from 2003. Paid and deleted from Transunion and Equifax. Shown as paid on Experian but waiting for deletion
First Premier 30 Day late from 2014. I balance transfered this to another card in 2014. I goodwill lettered them last week and they immediately deleted this from all three CB's.
My scores are now 660 TU 618 EQ and 617 EX
I also had not so great utilization on my two capital one cards and I got that down to under 30% on both cards.
Just got approved for a barclays card for $2k and a WestElm card for $4k in the past two days. That is more credit than I had probably been offered in the previous 15 years combined.
