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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Madmann26's rebuild thread

[ Edited ]

Just a way to keep track of my rebuild.

 

Start date: 8/30/2012

 

Collections pulled to date: 3

 

Collections with balances: 2

 

Charge-off's with balances: 1 (was 2 today, paid one off and GW'd it)

 

Applied for an NFCU secured card with a $500 limit and will have it next week.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Frequent Contributor
Posts: 305
Registered: ‎04-26-2012
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Re: Madmann26's rebuild thread

Good luck!

Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Just applied for a WellsFargo secured card. It'll be a toy limit but my progress has started.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
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Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: Madmann26's rebuild thread

Progress is progress.  Good Luck!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Update

 

 

Start date: 8/30/2012

 

Charge-off's with balances: 0 (finally found who to pay for Cap1 and paid it. Will be GW'ing it)

 

Though, my balances haven't been updated so no move in score. Just waiting patiently.

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Update:

 

One of my CO is now reporting a $0 balance. I am still waiting on the balance on the other CO to report $0.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
Posts: 731
Registered: ‎08-12-2011
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Re: Madmann26's rebuild thread

Let us know about the GW luck with CapOne. I'm pretty sure they are hard to convince. 

Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Another update:

 

My Cap1 CO, while not being reported yet as $0, Cap1 does acknowledge that the account has been paid. Just waiting for my CR to update. Another CO is now reporting a $0 balance.

 

That leaves 2 CA to deal with and I will be "clean", so to say. I'm still waiting to get 2 paid CA's off my CR. Since I didn't have any response to my GW attempts with these 2, I started the dispute process in hopes that at the end, they just fall off.

 

It's progress. But any progress is good.

 

Thanks to everyone who has contributed to this site over the years. The information here is invaluable.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: Madmann26's rebuild thread

Congrats

Frequent Contributor
Posts: 492
Registered: ‎07-24-2012
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Re: Madmann26's rebuild thread

Cap1 is slow to update the balances, but they do eventually do it.

 

Good luck on a GW with them. They're not particularly receptive to GW and practically impervious to PFD, but you may get lucky.

 

Even if you don't get lucky, they did delete the entire payment history of my tradeline when I paid the CO, and that alone was sufficient to bump up my FICO despite still having the CO reporting.

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
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