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My Credit Improvement Update - 2 Months

Regular Contributor

My Credit Improvement Update - 2 Months

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.

 

 




Message 1 of 12
11 REPLIES
Regular Contributor

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...Smiley LOL

NFCU Cash Rewards $16,100/FNBO Platinum $9.100/Best Buy Citibank $2,500/Care Credit $7,600/TJ Maxx $1000/Neiman Marcus $7000/Saks5thAve $2500

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

Message 2 of 12
Contributor

Re: My Credit Improvement Update - 2 Months

WOW! Awesome job!

Message 3 of 12
Valued Contributor

Re: My Credit Improvement Update - 2 Months

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

 

 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 4 of 12
Established Contributor

Re: My Credit Improvement Update - 2 Months

Congrats

Message 5 of 12
Moderator Emeritus

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 12
Valued Contributor

Re: My Credit Improvement Update - 2 Months

Amazing job, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 7 of 12
Valued Member

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
Message 8 of 12
Established Contributor

Re: My Credit Improvement Update - 2 Months

Fantastic! Smiley Happy

"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
Message 9 of 12
New Contributor

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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Message 10 of 12