After paying off the last $1000 that I owed on my credit I sat down and spent about 4 hours disputing items on my reports from all three bereaus about 3 weeks ago and have been waiting for results in the mean time I bought a new car on the 1st and refinanced another on the 8th and got approved for a credit card with a $2000 credit line at the same time. I got to see first hand just how having things removed from your credit makes a difference. I started off with 27 items that hit my reports starting in July of 2012 all medical collections that I never received because I moved and they were never forwarded to me. 3 weeks ago I was down to 7 items left and now every single item has been completely deleted.
The following is what I saw as my reports was updated.
3/1 the dealer pulled a 523(589 auto enhanced score) with 7 items on my report. On 3/8 they pulled a 591(non auto enhanced) at the bank with 2 items on my report. Just a few minutes ago I received a email saying my dispute results are ready and pulled my scores off of here and both reports have me at 632 with 0 items reporting. 109 point increase in 7 days. Not to sound soft but I cried a little as it has been 8 months and almost $20k paid off to medical collections and countless hours on the phone everyday.
I would like to thank everyone that has ever posted on here as I couldn't have done it without you guys. Well I could have but just not as quickly.
Also the reports still have me at 83% credit utilization which should be at 1% when it updates on the 14th because I paid my credit card down to $1 so I should have another increase before the week is up.
The following is what I saw as my reports was updated.
3/1 the dealer pulled a 523(589 auto enhanced score) with 7 items on my report. On 3/8 they pulled a 591(non auto enhanced) at the bank with 2 items on my report. Just a few minutes ago I received a email saying my dispute results are ready and pulled my scores off of here and both reports have me at 632 with 0 items reporting. 109 point increase in 7 days. Not to sound soft but I cried a little as it has been 8 months and almost $20k paid off to medical collections and countless hours on the phone everyday.
I would like to thank everyone that has ever posted on here as I couldn't have done it without you guys. Well I could have but just not as quickly.
Also the reports still have me at 83% credit utilization which should be at 1% when it updates on the 14th because I paid my credit card down to $1 so I should have another increase before the week is up.
Starting Score: 515EQ/556TU
That's an amazing increase for one week!
Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
New goal 675
That's GREAT work, congrats!!! 
Thats amazing!!! So happy for you! 
