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Contributor
jetsfan2013
Posts: 147
Registered: ‎11-28-2012
0

Re: Madmann26's rebuild thread

Congrats you are an inspiration!

Rebuilding Since 11/11
Current Score: 659 5/14 | Goal Score: 710+ 4/15
Cap 1 Quicksilver 2250 | Cap 1 Visa 2000 | Barclays Apple Visa 2000 | Discover IT 1500 | American Signature Store 1000 |

Rebuilders: First Natl 850 | Show MC 550 | Walmart Store 150 | American Eagle Store 150 ~~ Garden rest of 2014
Regular Contributor
tdrjustus3
Posts: 193
Registered: ‎05-23-2007
0

Re: Madmann26's rebuild thread

Keep up the good work madman! It helps to read the journey of someone who has not already arrived but on the same path as you


No apps until 8/2014
March 2013 Starting FICO Score: EQ: 584 TU: 564 EX: ??
August 2013 Current FICO Scores: EQ:664 EX:684 Walmart TU: 666
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

[ Edited ]

EQ is up 10pts this month to 646!

 

This is with 2 cards reporting very small balances of $25/$30 respectively.

 

Edit:

 

That is 135 points gained since August 2012 when I started my rebuild.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Madmann26's rebuild thread

Awesome!!!


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!
Frequent Contributor
blunderer
Posts: 368
Registered: ‎01-09-2013
0

Re: Madmann26's rebuild thread

Madmann26 - Very impressive and encouraging.  Thanks for sharing.

 

I too have been rebuilding for the past year and after having all but one baddie removed and several accounts reporting paid on time with no lates, I still have not gotten my score past the low 600's.  The whole process is actually very discouraging.  I see why people decided to pay a company such as Lexington Law to do the hard work for them.  From what I've read on this board, you can get quicker and better results.

 

So glad to hear all your hard work has paid off for you.

Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread


blunderer wrote:

Madmann26 - Very impressive and encouraging.  Thanks for sharing.

 

I too have been rebuilding for the past year and after having all but one baddie removed and several accounts reporting paid on time with no lates, I still have not gotten my score past the low 600's.  The whole process is actually very discouraging.  I see why people decided to pay a company such as Lexington Law to do the hard work for them.  From what I've read on this board, you can get quicker and better results.

 

So glad to hear all your hard work has paid off for you.


It's takes patience and time.

 

It took me less than 6 months to trash my credit and will take 7 years to fix it. There was only one CA that I got lucky with a DV and the rest (to the sum of 7 or 8 when I started), I paid them. A couple I had to PIF, such as an $1800 rental charge, but that was for a delete also.

 

The rest I GW'd. I got crafty by looking up the email addresses of higher ups and sending my GW letters that way. The Hunter Warfield CA I got lucky with and still have those email addresses for anyone that needs them. I've read that they do not delete. But I've got the proof otherwise.

 

Don't get discouraged. Fixing your credit the right way takes time and patience. While you could use LL to do it for you, it will not work 100%. You may get your credit cleaned up but the only thing that helps your score is time since 65% of your score is based on revolving credit and payment history.

 

I took a decent hit when I got new credit and my AAoA dropped below 5 years. I was up over 600, about 615 or so. When my AAoA took a hit, it dropped me to 574 or something. That hurt and it pissed me off.

 

In another month, I'll regain the time needed for my AAoA to get to 5 years. I should see another bump. At one year (which is December) when I will have one account with a year of on-time payment history, I should see another bump. At 2 years is where you should see the largest bump.

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Mid month bump.

 

EQ is now 658. That's another 12 points for a total of 22 this month. 

 

/ArsenoHall fistpump!!!!


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

TU - 649 now.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Another GW success.

 

Stallings Financial (medical bill) came off of TU today. It was there yesterday. I've been faxing GW's everyday for a week. (like that Shogun? :smileyvery-happy: )

 

That leaves just one CA on TU and two on EXP.

 

Portfolio Recovery Assoc - on both TU and EXP

 

Stallings Financial - On EXP

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

Interesting day.

 

Pulked my Experian from myFico and I'm sitting at 657 with 17% util reporting. I also noticed that Portfolio Recovery mysteriously disappeared from my Experian report. I'll take it.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey

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