I started my repair in June. Each of my CRs I had 7 paid/unpaid collections pass SOL, 1 judgement, 1 auto charge off, 1 repo and lots of lates. No open accounts.
EQ starting FICO was 580. All 3 FAKOs were inteh 548 range. Age of oldest account was 14 years.
3.5 months has gone by and right now I have 1 unpaid collection, 1 judgement, 1 charge off and just a few lates. Some stuff fell off, some stuff was removed after a phone call, I DVed everything, GW some and disputed everything with bureaus... I only paid 1 collection for a total of 140ish $.
My TU FICO is now 696, EQ is 685 and EX went up by over 150 FAKO points. I got a Capial One unsecured card.
The 1 remaining collection is something I am working on now. The judgement was one of those sewer served default judgements so I am fighitng it and will have it gone within 1-2 monhts as well. What amazes me the most is that repo was removed. I did not even ask for it. It fell off after I disputed the whole TL with the bureaus and GWed the OC.
The point I want to make here, is that REPAIR is possible and doable. Lots of things can be removed for little or NO money at all. Dont loose hope!
Starting Score (08/11/11): TU08: 643
