Just wanted to give an encouraging word and hopefully help someone who may be in the same boat as I was. Hang in there. For probably 99 percent of those looking to rebuild there is no quick fix, but if you are on this site then you are on the yellow brick road that will lead to the place you want to be.. you just have to hang on in there.
In March 2014 I started seriously trying to rebuild. My scores were all sub 530. I had according to EQ 14 derogs and 28 closed. Most of my troubles stemmed from stupidly getting involved with people who didn't know what they were doing in the business world .... and neither did I. Bills and debt piled up so high I was overwhelmed with the amount of money I owed. ( free advice borrowing money to pay off debt is not a good solution) ( free advice #2 ignoring your problems will not make them magically disappear)
Shortening a long story. I got serious but I still didn't quite know what I was doing. A good friend turned me on to a repair agency. Again there are NO QUICK FIXES even with these people. They did everything I could have done on my own had I been more diligent but I was in uncharted waters for myself. But as I relied on the repair agency I was doing my research as well. Once I started gaining knowledge on how the game is played, after 20 months I let go of the agency and started doing things on my own to save money. Research research research...this is a great site to use along with youtube. This credit game ( system ) will eat you up and wear you down so arm yourself with knowledge. Read as many post as you can here, engage in discussions, some topics that you think are not for you may be for you in the future. That's all I got good luck to you all...
2014 TU 527
EX 503
EQ 496
Just yesterday I received a huge bump with TU and I expect another with EQ to follow.
@nupey10 wrote:Just wanted to give an encouraging word and hopefully help someone who may be in the same boat as I was. Hang in there. For probably 99 percent of those looking to rebuild there is no quick fix, but if you are on this site then you are on the yellow brick road that will lead to the place you want to be.. you just have to hang on in there.
In March 2014 I started seriously trying to rebuild. My scores were all sub 530. I had according to EQ 14 derogs and 28 closed. Most of my troubles stemmed from stupidly getting involved with people who didn't know what they were doing in the business world .... and neither did I. Bills and debt piled up so high I was overwhelmed with the amount of money I owed. ( free advice borrowing money to pay off debt is not a good solution) ( free advice #2 ignoring your problems will not make them magically disappear)
Shortening a long story. I got serious but I still didn't quite know what I was doing. A good friend turned me on to a repair agency. Again there are NO QUICK FIXES even with these people. They did everything I could have done on my own had I been more diligent but I was in uncharted waters for myself. But as I relied on the repair agency I was doing my research as well. Once I started gaining knowledge on how the game is played, after 20 months I let go of the agency and started doing things on my own to save money. Research research research...this is a great site to use along with youtube. This credit game ( system ) will eat you up and wear you down so arm yourself with knowledge. Read as many post as you can here, engage in discussions, some topics that you think are not for you may be for you in the future. That's all I got good luck to you all...2014 TU 527
EX 503
EQ 496
Just yesterday I received a huge bump with TU and I expect another with EQ to follow.
Awesome! Congrats!
What exactly did you do? I am currently in a rebuild waiting for a dispute to finish.
@nupey10
Congrats on your progress! I enjoy reading awesome updates such as yours. Thank you for mentioning that credit repair is certainly something you can do on your own. Some people dont have the tenacity to do so and they dont do their research. I almost gave up and became that person but I feel like the journey is teaching me so much more then just paying someone money I can use towards my debt. I will keep working to have my own success story soon. Kudos 
Score: F8 EQ 609, EX 597, TU 614 (1/17) Current Score: F8 EQ 701, EX 714, TU 689 (12/18)@VoltaicShock,
I started my rebuild around late 2015, I've recently started to see increases as I paid off chargeoffs on my reports. I have 2 (both settled and paid now). I haven't had a late payment in over almost 30 months now. It certainly is a marathon but I didnt see increases until I started paying off my debt. I decided this year I would be desciplined with my debt and thats where I am. I made a choice and Im finally being rewarded for it.