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Regular Contributor
Johnny_Favorite
Posts: 266
Registered: ‎09-05-2012
0

My Credit Improvement Update - 2 Months

[ Edited ]

Started with a bunch of collections and really nothing positive. Even though my scores were in the 580's according to USAA, I knew it was a farce when MyFico.com refunded my money because I was "Unscorable" due to no active accts in the past 6 months.

 

Where I am now !!!:

 

Deleted: $7000 repossession by Household Bank

Deleted: $50 and $72 medical collections from NCO

Deleted: 3 collections from Progressive Management

Deleted: $1200 BOFA Chargeoff

Deleted: $75 Gas Company Bill

 

And drumroll for my score directly from MYFICO as of 11/6 = 774 Equifax and 680 Transunion

 

I still have a long way to go (2 collections on Transunion and 4 on Experian), but I have made a lot of progress.

 

Tip 1: Don't bother with Experian Online Disputes as they will usually just verify and update the note to say "Verified, Meets Standards of FCA reporting"

 

Tip 2: Transunion and Equifax seems to be easier to dispute online.

 

Tip 3: PFD letters do work, mostly when you are willing to pay in full and when the debt is old.

 

Tip 4: Don't give up and be a little patient. When my first few collections were removed I went app happy and got denied. Those creditors like your credit to be squeaky. It's not worth it to risk the inquiries.

 

 




Regular Contributor
StartingLifeOver
Posts: 140
Registered: ‎02-06-2009
0

Re: My Credit Improvement Update - 2 Months

Seriously??? Two months??  CONGRATS TO YOU!!!  That's excellent progress but now I really feel like an underachiever...:smileylol:

NFCU Cash Rewards $14,000/FNBO Platinum $4,600/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $600/Neiman Marcus $3500

Starting Score: 426 Ch. 13 BK Filed Sep 2009; Discharged Jan 2013 :smileyhappy:
Current Score: TU 706 EQ FICO 701 EX 704
Goal Score: 720

Contributor
jess985
Posts: 76
Registered: ‎05-01-2012
0

Re: My Credit Improvement Update - 2 Months

WOW! Awesome job!

Valued Contributor
j_casteel
Posts: 1,915
Registered: ‎06-21-2012
0

Re: My Credit Improvement Update - 2 Months

thats amazing....great job on the deletions!

 

 

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4.5k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: My Credit Improvement Update - 2 Months

Congrats

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: My Credit Improvement Update - 2 Months

Awesome job!


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!
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: My Credit Improvement Update - 2 Months

Amazing job, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Member
Sass2009
Posts: 32
Registered: ‎05-05-2009
0

Re: My Credit Improvement Update - 2 Months

That is awesome!


Starting Score: 512
Current Score: 651
Goal Score: 700 Club


Take the myFICO Fitness Challenge


4/2012 - EX: 512, TU: 527, EQ: 530
02/13: TU: 628 EQ: 678 EX: 632 (FAKO)
Get in the 700 Club in 2013
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012
0

Re: My Credit Improvement Update - 2 Months

Fantastic! :smileyhappy:

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
New Contributor
Dexter80
Posts: 76
Registered: ‎10-25-2012
0

Re: My Credit Improvement Update - 2 Months

Inspiration!  

Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes:  EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress  CRA Dispute - in progress


 


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