Credit Repair/History - 6 Months Result

[Erusidhion]

        So after 6 months of beginning my Credit Repair journey in February of 2014 and having about 5 collections on each credit bureau I have achieved 100% clean credit reports and have been letting only 1% utilization report for 6 months. Today I was finally able to pull a FICO for every credit bureau. It has been a long road and I am quite happy with the results! I thought I would have started a little bit lower because of the number of inquiries but I am pleasantly surprised.

        I just want to thank everyone on these boards for their input, their many threads full of information. Without everyone here talking about their experiences and their methods; I would have never repaired my credit in the first place and would have always continued living on cash. I plan on a vehicle purchase in February of next year if I qualify for 0% APR top tier.

        Now knowing what my scores are, I am a little itchy to go on an app spree but my last small spree was in April so I have until October to wait. Hopefully I'll start getting some prequalifies on a few select websites and some mail offers by then

        Thank you everone again! I went from the mid 550s all the way to the scores below in about 6 months. The 550ish was from Suncoast Credit Union (not sure if FAKO/FICO).

        Equifax FICO: 700

        Transunion FICO: 721

        Experian FICO: 703

        AAoA: 5 months

        Utilization: 1%

       No prior credit history

        Inquiries updated in Signature

[Anonymous]

So you dont actually have an unsecured card or installment loan on your CR and you are showing a 700 middle score. that is really great. Just a clean slate.

What you should do now is app for Capital One Platinum (No AF; $19 yr 2+) & chase Freedom;

Thats what i did when apping. I also applied for Shell Credit (Citi) so i have diversity in my credit card

It is very likely you will be approved for both; i checked on prequal sites for both before applying. Its likely your scores will ding first few months after approval; however it will also boost your revolving cards AAoA; i think its worth it

[Erusidhion]

    Thanks for the suggestions! Yeah I plan to actually hit a lot of cards in October and then whatever I get I may wait 2 full years (yeah right!) for my inquiries to drop before seeing if there is anything else I want/need. I will try Chase Freedom for sure but I hear that you need at least 1 full year credit history for them to really approve you but I have been reading a few threads here of people getting approved with less than 12 months.

    My current goal: American Express BCE, Capital One Quicksilver (not sure which version yet), Discover it, Wells Fargo Rewards Card (I won't wait for secured to graduate, I'll keep it 2 years and cancel for money back), Suncoast Rewards Card (credit union visa).

    I have been thinking of Chase Freedom in addition to the above as well as a Barclay. I may try Bank of America as well. I will have to see what I prequalify for from now until October.

    You know. I told myself that I would just order a FICO score every 6 months but in reality, with the coupon I believe it's like $45.00? to get all 3 FICOs + 3 Credit Reports a month? I thought everyone was crazy to be getting a new FICO/report monthly for that amount of money but it really isn't that bad if you have the funds to do it. Pretty sure I will wait until October to pull again though. In the garden until then!....Well, I will try anyways.

[alienfico]

Awesome job....you give me hope that with hard work and patience I may just get there.  Congrats!

[Anonymous]

when app spreeing i would also think in terms of  "which bureau pull each Card has"

Barclays/Walmart/Discover/ChaseFreedom/ = TU

Bank of America/Amex = Experian
Capital One- all 3 bureaus

I m in TX if it at all matters.

so if for now you can have EQ frozen, that would also make sense.

I had only 6 mos of secure credit experience when i applied for Chase freedom and approved. got just$500 to start with.

I took the no annual fee platinum card coz its very likely they increase CL on it much faster than QS. Besides didnt feel the need to pay AF

[New_Beginning]

Congratulations! 

[SOGGIE]

Congrats on your success!

[alextercero]

Congrats..

[Anonymous]

Thats great!  Very inspiring!  How did you handle your collections?