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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: Starting out my credit rebuilding project Need advice

Credit Scores (USAA Credit Monitoring Scores)

 

Experian- 513, 525

 

Equifax- 517, 567

 

TransUnion- 541, <--- Waiting on EOS to drop off this report

 

Progress!!

 



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: Starting out my credit rebuilding project Need advice

Bye Bye Pinnacle Credit Services!!

 

Sent out DV and disputes with CB about 2 and half weeks ago.. Refreshed report today and BAM!! Gone off Experian and Equifax still on TU (Should come off soon im assuming, since they were the last ones EOS came off of also)

 

New Scores:

 

Credit Scores (USAA Credit Monitoring Scores)

 

Experian- 513, 525, 552

 

Equifax- 517, 567, 579

 

TransUnion- 541, 552 <--- Waiting for PCS to drop off this report

 

Progress!!

 



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Starting out my credit rebuilding project Need advice

I see those numbers are going up.  Great 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+

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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!
Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: Starting out my credit rebuilding project Need advice


Shogun wrote:

I see those numbers are going up.  Great job!


Thanks!! I cant wait till my OpenSkyy CC reports $0 balance in a few days (Currently at $289/$300 limit) as well as my CU $500 secured and applied bank $200 secured!!

 

Hopefully i can get close to 600 with those :smileyhappy:



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: Starting out my credit rebuilding project Need advice

This is awesome man congratulations! I wish I knew EXACTLY when my cards reported new balances. I hate just waiting. Every time I get a text or an email I bug out hoping it's a SW increase.



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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New Contributor
ficochat
Posts: 51
Registered: ‎03-07-2012
0

Re: Starting out my credit rebuilding project Need advice

Wow - great progress!  Congratulations!!!

Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: Starting out my credit rebuilding project Need advice


ficochat wrote:

Wow - great progress!  Congratulations!!!


Thank You!



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: New Rebuild Journal Xwill04

Another CA gone!

 

"Allgate Financial LLC" 

 

deleted after DV and or BBB!

 

woohoo things are looking up!!!

 

Update:

Collection accounts:

 

ENHANCED RECOVERY - TransUnion (DV Letter sent  11/14/2012)

Balance- $1,454

Date Opened- 4/12

 

EOS CCA - Experian, Equifax, TransUnion (DV Email sent 11/15/2012 to direct contact received via this forum)

Balances- $678, $1,518, $378

Date Opened- 8/1/2012

 

PACIFIC CREDIT EXCHANGE - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balance- $9,016 (Repo Purchase)

Date Opened- 2/1/2012

 

MIDLAND FUNDING - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balances- $461, $2,002

Date Opened- 12/1/2012, 11/1/2011

 

PINNACLE CREDIT SERVICES- Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balance- $1,405

Date Opened- 12/1/2009

 

ALLGATE FINANCIAL LLC - Experian (DV Letter sent  11/14/2012)

Balance- $475

Date Opened- 5/1/2009

 

RASH CURTIS & ASSOCIATES - Experian, TransUnion (DV Letter sent  11/14/2012)

Balance- $318

Date Opened- 6/1/2008



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: New Rebuild Journal Xwill04

Equifax up 24 points after paying down my open sky cc from 289/300 to 0/300!!!

 

Just waiting for EXP and TU to update =))

 

Still waiting for my CU Secured CC and applied bank CC to post to my report hopeffully i pick up some more points there too :smileyhappy:

 

Thats 86 points on equifax in less that one month!!!  :smileyhappy:



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
0

Re: New Rebuild Journal Xwill04

Equifax up another 28 points!


Secured personal loan finally reported to equifax seems like experiana nd TU taking forver to update on USAA CMS. Anyhow I paid off the personal loan the first month in full as I dont need it for credit mix as I purchased a car so will have the installment loan covered on that end...

 

I want to pull true fico from this site but I think I will wait until my two other secured CC report!



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge

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