Captain's Log, Stardate 2.2.2013

[Crossdivided]

Hmmm 10 pt EQ FICO boost. Repulled and checked line by line...no updates in last 5 days, and no new additions/deletions.

Must've been a baddie hittin another year mark with March or something. Weird...but I'll take it.

[LIGHTNIN]

Congrats 10 more points, maybe it's an inquiry stopped hurting. They hurt for 1 year, but report for 2 years.

[Crossdivided]

>>>JUST A REPOST OF THE BELOW...I HAD FORGOTTEN I STARTED THIS JOURNAL<<<

Not a bad round...04APR13 EX results

Im thinking a simple MoV will prob knock out Round Two also, considering TU and EQ couldnt verify. Will have to push the issue as usual though. They go away in July anyway (CRTP). Not a huge deal considering the main CC CO (11k bal and 10k CL reporting) wont drop off until June, so it will be impossible for me to get below 100% util before then...

Credit Items
MIDLAND FUNDING Account Number: XXX....	Outcome: Deleted
ROUND TWO RECOVERY LLC Account Number: XXX	Outcome: Remains
FMS INC Account Number: XXX	Outcome: Deleted
NCC BUSINESS SVCS INC Account Number: XXX	Outcome: Deleted
CAC FINANCIAL CORP Account Number: XXX	Outcome: Deleted

[Crossdivided]

687 today (EQ) up from 427 on 2/2/13. 260 points in 4.5 months without a single CRTP expiration (I'm not bragging...I'm just telling you guys since everyone I know IRL could care less. A little proud and noone else but you all can seem to fathom the sacrifices necessary in credit rebuilding).

33/36 baddies removed (Fed Tax Lien removal in 3 months ish, Midland CRTP in November, and a FPB c/o I'm stuck with til Feb '15 unless I can land a GW homerun good luck on THAT one but they'll get their weekly GW letters nonetheless).

Thank you to all the pros that had the patience to answer my left-field technical questions practically continuously.

4.5 months of eating ramen noodles and hotdogs to free up money for PFDs, and all the late nights up studying the FCRA and FDCPA paid off. Remind me to neeeever make myself have to do this again. Kind of like joining the Army...glad I did it but once was definitely enough.

It's not done, but I've done all I can do. Utility at 5% after all reporting this month (from 25% currently) SHOULD be 700 range. Drop the tax lien (filed 2009) and Midland in Nov should be almost Primeville, USA range (even with FPB PIF hanging around).

The Fat Lady ain't sung yet, but she's a warmin' up...

[Crossdivided]

6/16/2013 687 Score Watch® alert: Your score exceeded your target of 664. Yes More info
6/13/2013 664 Score Watch® alert: Your score is unchanged. Yes More info
6/12/2013 664 Score Watch® alert: Your score is unchanged. Yes More info
6/6/2013 664 Score Watch® alert: Your score exceeded your target of 616.   More info
5/22/2013 616 Score Watch® alert: Your score dropped below your target of 619. Yes More info
5/12/2013 619 Score Watch® alert: Your score exceeded your target of 616.   More info
5/10/2013 616 Score Watch® alert: Your score exceeded your target of 580.   More info
5/8/2013 580 Score Watch® alert: Your score dropped below your target of 600. Yes More info
5/4/2013 600 Score Watch® alert: Your score exceeded your target of 541.   More info
4/24/2013 541 Score Watch® alert: Your score exceeded your target of 528. Yes More info
4/19/2013 528 Score Watch® alert: Your score exceeded your target of 507.   More info
4/17/2013 507 Score Watch® alert: Your score dropped below your target of 541. Yes More info
4/9/2013 541 Score Watch® alert: Your score dropped below your target of 543. Yes More info
4/7/2013 543 Score Watch® alert: Your score is unchanged. Yes More info
4/4/2013 543 Score Watch® alert: Your score is unchanged. Yes More info
4/3/2013 543 Score Watch® alert: Your score is unchanged. Yes More info
3/22/2013 543 Score Watch® alert: Your score exceeded your target of 531. Yes More info
3/13/2013 530 Score Watch® alert: Your score has gone up. Yes More info
3/9/2013 519 Score Power report: Your score has dropped.   More info
3/9/2013 532 Score Watch® alert: Your score exceeded your target of 520.   More info
3/2/2013 472 Score Watch® alert: Your score exceeded your target of 463. Yes More info
2/22/2013 462 Score Watch® alert: Your score is unchanged. Yes More info
2/21/2013 462 Score Watch® alert: Your score is unchanged. Yes More info
2/20/2013 462 Score Watch® alert: Your score exceeded your target of 449. Yes More info
2/19/2013 448 Score Watch® alert: Your score is unchanged. Yes More info
2/17/2013 448 Score Watch® alert: Your score exceeded your target of 428.   More info
2/14/2013 427 Score Watch® alert: Your score is unchanged. Yes More info
2/10/2013 427 Score Watch® alert: Your score is unchanged. Yes More info
1/31/2013 427 Score Watch® alert: Your score is unchanged. Yes More info
1/23/2013 427 Score Power report: Your score is unchanged.   More info

[cqdealer711]

thats some nice change  

[alexl22]

That is some awesome progress!

[Crossdivided]

WIN

Id so go out to celebrate...if i wasnt so broke from payin all those PFDs -sigh-

Equifax Credit File™ for: xxx x. xxxx   As of Date: 06/21/2013

|

Collections

 A collection is an account that has been turned over to a collection agency by one of your creditors because they believe the account has not been paid as  agreed.

You have no Collections on file.

[Crossdivided]

Sorry havent been around in a bit...actually sold my computer to pay off one of the last old debts...hey do what ya gotta do ya'know...

Anyway...app approved for walmart store card at 600 CL. Not much, but its a start.

Apping with NFCU tommorrow afternoon...still owe them a little bit on an old charged off checking account and have to pay that in full before apping of course. we'll see how it goes...

[guitarguybs07]

This whole thread is a great idea! Had to do one myself. Thanks for all your tips, and congrats on your progress so far!