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So, 2015 is officially over, and I thought that I would share my story. I've shared bits and pieces throughout my post/replies, but not my whole story. So, here it is:
January 22nd 2015, I had a 463 EQ FICO (my highest score).
I had several baddies, collections, repossesions and charge-offs. Total result was around $60,000 in bad debt with NO CREDIT CARDS.
I hired Lexington Law in January. I didn't know any better, and used them until May. After not seeing results, I started reading up on credit from here as well as many other sources, but primarily here. I began filing my own disputes in June, and when doing a dispute via phone with Experian, I found out that Lexington had not disputed a single item with them, despiste them telling me that they sent letters/disputes to EX. I immediately fired Lexington and began handling my own disputes.
During this time, I also managed a few PFD, and PIFs. I settled ALL of my bad debt as of December 1st except for a medical collection for $711 that falls of in February anyways. I also only have 1 deragatory and it's a 30 day late payment on my auto loan that I negotiated off this month!
During this time, I also opened a secured Cap1 card, and was later approved for a QS1 card as well. While I'm no high achiever... my EQ Fico 08 is now a 656, with more to fall off/report this month. 193 points in 12 months!!!
I was to thanks everyone for their questions, advice, comments, knowledge, and help. Even when you didn't know that you were helping me (I was a lurker), you were.
Also, because of this board, I started building my Wife's credit in May. She now has around $10k Total CL, and a 756 reported FICO 08 (First reported just a few days ago!).
Thanks everyone!
I almost forgot the biggest part, and the reason I worked on this so hard..... DURRR!
I was pre-approved for a USDA loan in December, and am already in processing. I will get my rate lock within the next few days!!!!
Thanks again!
+1. No like button here!
Congrats!!! That's awesome! Soon you will have a clean report. Get the champagne ready
Thanks! I'm pretty excited. The collections that are now reporting "paid" will likely fall off when I do my final dispute in June.
It's been a long and expensive journey. I'm very thankful to these forums.
@Anonymous wrote:+1. No like button here!
Congrats!!! That's awesome! Soon you will have a clean report. Get the champagne ready
Why not use the Kudos button? I did! Good job OP!
@BallBounces wrote:
@Anonymous wrote:+1. No like button here!
Congrats!!! That's awesome! Soon you will have a clean report. Get the champagne ready
Why not use the Kudos button? I did! Good job OP!
Thank you!
@BallBounces wrote:
@Anonymous wrote:+1. No like button here!
Congrats!!! That's awesome! Soon you will have a clean report. Get the champagne ready
Why not use the Kudos button? I did! Good job OP!
This was in Smorgasboard.
@Anonymous wrote:
@BallBounces wrote:
@Anonymous wrote:+1. No like button here!
Congrats!!! That's awesome! Soon you will have a clean report. Get the champagne ready
Why not use the Kudos button? I did! Good job OP!
This was in Smorgasboard.
It was, a mod moved it.