I recieved a score alert this week that EQ had hit 699, I pulled TU as well and it shows 706. I'm pumped. My scores have moved 50+ points in a short amout of time.
I started getting serious/obsessed about my credit back in June, this site has been a great place to come to for support and advice. I stared by trying to PFD old collections and charge offs showing on my CRs, I also disputed several inaccurate trade lines. All in all I spent about $4000 paying these old accounts off, I had litle success with PFD, only one account that was about to age off anyway.
After everything was PIF, I challenged the accuracy of some info showing on my reports, (i.e. first date of delequencey on certain accounts), they were corrected and aged off my CRs.
There was a Cap1 CO that was killing my utiliziation as it was $1000 for a $300 CL, that finally got chaned to zero, but still shows on my CRs, Cap1 won't budge.
Anyway, I just wanted to share and thank this forum.
Staring Score:EQ 649 TU 647 EX 644
Current Score: EQ 786 TU 699 EX 746
Goal Score: 800
Wallet: SF Fire CU $5000 CL Chase Freedom 4000 CL, Chase MP $5000, WellsFargo $6000 CL, Amex Gold NPSL, Cap1 CashRewards $2500 CL, Amex BCP $12000 Discover More $1200 CSP 18000
