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Finally 700 Club!!!

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stargazer25
Regular Contributor

Finally 700 Club!!!

2 years ago I started this credit repair process with under 500 credit scores across the board. I had 15 negative lines of credit with no open credit cards and just student loans.

 

As of today I have: 5 credit cards on my own, 2 student loans and a car loan with a local CU.

 

My negatives include: 2 90 day lates with Fed Loan (which I've yet to see anyone get removed) and a paid off collection with PRA. I can start getting EE with PRA starting early next year so I have given up on that and am just biding my time. 

 

How did I do it? Lot's of reading here. Begging, bartering for PFD, luckily having kept some paperwork that was questionalbly written and fighting it, throwing a lot of money at it and trying to do it all with a smile. My first active CL was Finger Hut. It served it's purpose. Now I have a personal AMEX and a $15K business AMEX.

 

Next steps... try to stay in the garden, keep up with PIF every month and work on getting bigger CLI's. Once the last collection clears I will probably start going for bigger prime cards.

Starting Scores: September 2015 minus 500 across the board
Current Scores: October 2017 EQ: 715 TU: 710 EX: 716
In My Wallet:
Cap1 QS: $4.8K - AMEX BCP: $4.2K - Old Navy Visa: $7K - Nordstrom $3.8K - VS $500 (FTW!)
BofA AU: $12K AMEX AU: $25K
Business: AMEX BCP $15K
Message 1 of 11
10 REPLIES 10
medicgrrl
Valued Contributor

Re: Finally 700 Club!!!

Congrats on your successes!



EQ 778 EXP 782 TU 729
Message 2 of 11
Adkins
Legendary Contributor

Re: Finally 700 Club!!!

Congratulations!

Last HP 08-07-2023



Message 3 of 11
Gidgetmom
Frequent Contributor

Re: Finally 700 Club!!!

Congratulations!  That's quite an accomplishment.  

Message 4 of 11
Anonymous
Not applicable

Re: Finally 700 Club!!!

Hello everyone. I just signed up today. Looking for help in increasing credit limits and score.
20 year old female college student.
Stats: Eq:704 Trans:669 Trans 702
Credit: NFCU 6000. USAA 3000 Best Buy 2500
Tans score is due to a medical bill that’s not mine. Currently disputing.

Thanks in advance
Jan
Message 5 of 11
Anonymous
Not applicable

Re: Finally 700 Club!!!

Great job Stargazer!!!!
Message 6 of 11
Anonymous
Not applicable

Re: Finally 700 Club!!!

Congratulations, job very well done. Dv
Message 7 of 11
Adkins
Legendary Contributor

Re: Finally 700 Club!!!

Congratulations on your rebuilding success so far!

Last HP 08-07-2023



Message 8 of 11
SirTilus
Contributor

Re: Finally 700 Club!!!

Congrats! Nice progress....

Message 9 of 11
cappaccinodagreat
Valued Member

Re: Finally 700 Club!!!


@Anonymouswrote:
Hello everyone. I just signed up today. Looking for help in increasing credit limits and score.
20 year old female college student.
Stats: Eq:704 Trans:669 Trans 702
Credit: NFCU 6000. USAA 3000 Best Buy 2500
Tans score is due to a medical bill that’s not mine. Currently disputing.

Thanks in advance
Jan

You seem to be doing very well already with scores about 700. 

Message 10 of 11
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