I'm new here but also new to the credit repair game. I'm about 3 months away from being at a middle score of 615, with a high score of 650 but in March I started with a 457.
I disputed my two small collections. And then when they removed them, I rushed and paid them so that they wouldn't sell them to another company.
My tax liens fell off in July but also set up a plan to pay those, just in case.
I goodwill lettered anybody and everybody over and over again, resulting in a few late payments to be removed. The ones that didn't remove them provided letters stating that I am in good standing and a trustworthy customer (my goal is a home loan by the end of the year).
Every CC except one is locked in a safe and I pay an astronomical amount of them -- totaling about 600 bucks a month.
I haven't gotten to the stage where I'm 609ing derogatory accounts just yet. That's my last step.
I saw an 80 point jump within the first 60 days, and then a steady 5-15 point jump every month as I continue to pay things down. By March 2018 we should be virtually debt free, with just a car note.
