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Madmann26's rebuild thread

Moderator Emeritus

Re: Madmann26's rebuild thread

Still rocking it!!!  Congrats!

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 21 of 167
Valued Contributor

Re: Madmann26's rebuild thread

Thanks Shogun.

I've sent GW letters 2x per week since I've started this journey. Guess they got tired of it.....lol
Scores: about 700 across the board
Total CL: $275k
Message 22 of 167
Moderator Emeritus

Re: Madmann26's rebuild thread

One of my favorite tactics!!!!  Just like the CAs do us!

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 23 of 167
Valued Contributor

Re: Madmann26's rebuild thread

Welp


My NFCU card is reporting now. That's worth 19 points. Up to 568 FICO on EQ.

This is without any payment history.

/fistpump!!!!
Scores: about 700 across the board
Total CL: $275k
Message 24 of 167
New Contributor

Re: Madmann26's rebuild thread

Reading your posts is very encouraging to me! Thanks for sharing your journey with us. I hope my rebuilding journey picks up, but my CRs aren't yet showing the results of my payoffs. I know it's a process. 


Starting Score: 523
Current Score: EQ 608 EXP 648 TU 565
Goal Score: 800


Take the FICO Fitness Challenge
Message 25 of 167
Valued Contributor

Re: Madmann26's rebuild thread

Thanks. Patience is something I'm having to learn. Just stick with it.
Scores: about 700 across the board
Total CL: $275k
Message 26 of 167
Moderator Emeritus

Re: Madmann26's rebuild thread

+19 points and a positive TL.  Not too shabby.

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+
Take the myFICO Fitness Challenge

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 27 of 167
Valued Member

Re: Madmann26's rebuild thread

Congratulations on your progress!

 

This may seem a 'silly' question, but do you have to have a family member in the armed services to apply for the NFCU secured card?


Starting Score: 580
Current Score: 580
Goal Score: 700


Take the myFICO Fitness Challenge
Message 28 of 167
Valued Contributor

Re: Madmann26's rebuild thread

Yes..you have to have an active duty or retired family member to get membership.
Scores: about 700 across the board
Total CL: $275k
Message 29 of 167
Valued Contributor

Re: Madmann26's rebuild thread

PRA being douchey. Here is their response to my BBB complaint:

 

"I have carefully reviewed the information furnished in regard to the account ending in 6564 to the credit reporting agencies by Portfolio Recovery Associates account and the applicable law. Portfolio Recovery Associates has furnished the appropriate Account Type Code "OC" for Debt Purchaser (a/k/a Hactoring Company) and Account Status Code "62" and Special Comment Code "AU" for Account Paid in Full for Less than the Full Balance.

Portfolio Recovery Associates purchased this Orchard Bank Mastercard account from HSBC Bank Nevada, N.A., has repeatedly verified this information for the consumer credit reporting agencies and has fulfilled its obligations to the consumer as an information furnisher under the Fair Credit Reporting Act. Further disputes substantially similar to those previously submitted may be frivolous or irrelevant as those terms are defined in the FCRA and may not warrant further responses.

****** ********
Disputes Counsel
Office of the General Counsel
Portfolio Recovery Associates
140 Corporate Boulevard, Norfolk, VA 23502
"

Scores: about 700 across the board
Total CL: $275k
Message 30 of 167