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Credit Repair Success!

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Anonymous
Not applicable

Credit Repair Success!

I just wanted to give a BIG thanks to everyone on this site for all the advice I've accumulated over the last month and a half.

I started my credit repair journey in July 2014 with all three score right around 500.

I had five collections reporting, and lots of student loan lates. I had never had a credit card, because I could never qualify for one.

With that being said...

I've gotten 4 of the 5 collections paid and deleted completely..and waiting to hear back on my last one.

Opened a car loan in August 2014 and Cap.One secured card in July 2014.

I'm currently working on my student loan lates, and I'm pretty positive they will end up being removed.

My current scores are just shy of 600, so that's a 90-100 point jump in 6 months!

It really is amazing! THANK YOU!

 

Probably the best news..I just applied for a Capital One QuickSilverOne...and was APPROVED! Smiley Happy $500!

I also was pre-approved for a VS card as well..$350!

 

This just goes to show that no matter where you are in your credit repair journey, no matter how stuck you feel, there is HOPE and things WILL get better!

I still have a long ways to go, but this is an amazing start!

 

 

 

Message 1 of 7
6 REPLIES 6
SunriseEarth
Moderator Emeritus

Re: Credit Repair Success!

Great efforts!   Congrats on all of your successes!   Things are definitely looking up



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 2 of 7
Whitneyy
Valued Contributor

Re: Credit Repair Success!

Congrats! Sounds good!

GOAL - 700 FICO across the board!
Message 3 of 7
Creditwiser
Valued Contributor

Re: Credit Repair Success!

Nice work, Congrats Smiley Very Happy

NFCU Visa 30k | NFCU Platinum 30k | Cap1 QS 12K | Cap1 QS 11.5K | Barclay MC 9k | Delta Gold Amex 30K | Discover IT 14K | CFNA FS 3200 | CareCredit 20k| Paypal Credit 5k |
Message 4 of 7
AllNatural
Member

Re: Credit Repair Success!

Congrats!

 


529
Current Score: 603b>
Goal Score: 700

Take the myFICO Fitness Challenge

Message 5 of 7
Anonymous
Not applicable

Re: Credit Repair Success!


@Anonymous wrote:

I just wanted to give a BIG thanks to everyone on this site for all the advice I've accumulated over the last month and a half.

I started my credit repair journey in July 2014 with all three score right around 500.

I had five collections reporting, and lots of student loan lates. I had never had a credit card, because I could never qualify for one.

With that being said...

I've gotten 4 of the 5 collections paid and deleted completely..and waiting to hear back on my last one.

Opened a car loan in August 2014 and Cap.One secured card in July 2014.

I'm currently working on my student loan lates, and I'm pretty positive they will end up being removed.

My current scores are just shy of 600, so that's a 90-100 point jump in 6 months!

It really is amazing! THANK YOU!

 

Probably the best news..I just applied for a Capital One QuickSilverOne...and was APPROVED! Smiley Happy $500!

I also was pre-approved for a VS card as well..$350!

 

This just goes to show that no matter where you are in your credit repair journey, no matter how stuck you feel, there is HOPE and things WILL get better!

I still have a long ways to go, but this is an amazing start!

 

 

 


Congratulations!...Thanks For Sharing.Smiley Very Happy

Message 6 of 7
EW800
Valued Contributor

Re: Credit Repair Success!

Congratulations! Smiley Happy
Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 7 of 7
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