Rebuilding Your Credit

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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎12-29-2011 07:41 AM

First of, post 777 WOOHOO!

 

i have settled with the UofP and decided to pay them then attempt to GW them.... 

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
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Tischer712
Posts: 231
Registered: ‎12-02-2011

Re: Follow my progress to rebuilding my credit.

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‎12-29-2011 07:45 AM

Grats on taking that step. Grease their palms with a few extra bucks wink wink.... <_ < JUST KIDDING MODS.! >_>  d('_')z

Starting Score: myFico Scores Equifax 544 Transunion 585
Current Score: myFico Scores Equifax 655 Transunion 663 Experian 645
Goal Score: 700 Across the board

Take the FICO Fitness Challenge
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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎12-29-2011 07:48 AM

lol... if they are anything like midland, then that wont even help x.x heheheh 

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
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Lil_Me
Posts: 59
Registered: ‎06-30-2011

Re: Follow my progress to rebuilding my credit.

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‎12-29-2011 10:20 AM

Thank you so much for posting this......I have a time line spreadsheet myself.......

BK7 - 2/2011
Since:
Kay Jeweler's $400/ Jared's $400/ Capital One MC $370/ HSBC Visa $300/ Credit One Visa $300/ Firestone $1000/ Von Maur Card $500/ Walmart Card (AU) $1200/ Fingerhut $300
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FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎12-29-2011 11:20 AM

SO - I have gotten GW denials on ALL of my CA collections.....

 

I quit. 

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
Message 15 of 57 (741 Views)
 
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Lil_Me
Posts: 59
Registered: ‎06-30-2011

Re: Follow my progress to rebuilding my credit.

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‎12-30-2011 06:37 AM

I feel your pain BadCredBen, I'm done too.

BK7 - 2/2011
Since:
Kay Jeweler's $400/ Jared's $400/ Capital One MC $370/ HSBC Visa $300/ Credit One Visa $300/ Firestone $1000/ Von Maur Card $500/ Walmart Card (AU) $1200/ Fingerhut $300
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Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: Follow my progress to rebuilding my credit.

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‎12-30-2011 08:51 AM

When I first started to rebuild, I "quit" too.

 

But I decided quiting was not an option, so I went back at it, and I look back now and I am so glad I did not give up.

 

Keep on Keeping on!!!!!!!

Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge

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Valued Contributor
FairCredBen
Posts: 1,456
Registered: ‎10-25-2011

Re: Follow my progress to rebuilding my credit.

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‎12-30-2011 09:19 AM

I dont have anywhere to go right now, it is so discouraging to hear that yes a CA has gotten my GW letters, but denied my GW's.....

 

 

So im just letting them rot... i dont owe anything so they will fall off. 

Current Score: EQ: 715 | TU: 694 | EX: 691
Gardening Time! 3/7/2013
In My Wallet: Cap1: $500 | Cap1: 1500 | Cap1 AU: 1250 | UECU Visa: $5000
Message 18 of 57 (691 Views)
 
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llecs
Posts: 31,469
Registered: ‎08-04-2007

Re: Follow my progress to rebuilding my credit.

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‎12-30-2011 10:14 AM

You don't have to win every battle, you just have to win the war. Lather, rinse, repeat. It'll take several rounds over several months.

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Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011

Re: Follow my progress to rebuilding my credit.

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‎12-30-2011 10:27 AM

llecs wrote:

You don't have to win every battle, you just have to win the war. Lather, rinse, repeat. It'll take several rounds over several months.

Very well said.

 

I Wish you the Best Ben, don't give up my Friend.

Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge

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