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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.
Congrats on your successes!
Congratulations! That's quite an accomplishment.
Congrats! Nice progress....
@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.