Hey all,
Thanks so much for all the wisdom and advice you members contribute every day. Just thought I'd briefly(?) share part of my journey.
Started out with
TU: 2 collections - medical, 2 CO loans (one $24, one $96 both 2009)
EX: 2 collections - medical, 1 CO loan ($24 from 2009)
EQ: 2 collections - medical, 2 CO loans (one $24, one $96 both 2009)
I have since PIF and got all collections removed, PIF one CO loan and all that is left is a 96$ CO loan from 2009 on TU & EQ. I thought I'd try for a PFD for the last small CO loan but they currently don't report to EX and I am worried if something goes poorly that they will slap me with an EX update.
I started with a TU 471 in November 2014. I now have TU 694, EX 736, and EQ 672. I have not gotten an alert saying the co loan was deleted from EQ. Dispute says completed on 6/3 - does anyone know how long it will take to get an update/score update from myFico?
Cards:
Nov 14: Discover IT secured 200 (now $300)
Dec 14: secured loan w/ credit union, denied Kohl's
Jan 15: Comenity
Feb 15: comenity
March 15: comenity x3, Macy's 600, Barclay rewards $250, denied Target, denied Paypal
April 15: Capital One Journey $300
May 15: Macy's CLI to $1000, AMEX BCE $1500, BOA 123 $500 w/ immediate sp CLI to $800, overstock CLI to $450, Cap One Journey PC to Quicksilver w/ no AF, local CU LOC $1000/Visa $2500, denied Chase due to "far too excessive new accounts", $2500 Macy's Special event, $2500 Macy's club
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