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I have a lot to update here but short on time.
What I do want to post tonight is that I got my first preappoved credit card mailer... credit one.
I'm not interested and will toss this (or frame it) but it's my first offer and its just another motivator to keep going. Time is a major key.
My scores are also up up up!!
Be back soon.
Score Update
I had a balance decrease on all reports.
Fedloan was removed from my TU, , they only removed historical payments on my EQ ( side eye - not even sure what to do here I want to dispute this but also dont want to rock the boat, it also still on my Experian.
Two Peoples Gas accounts were removed from Equifax.
The IC Systems collection account (Tmobile) was removed from all reports!! (YAY!!) My scores all jumped so high and I was super excited because this was my LAST collection account.
Then a few days later a new collection for a dentist bill ($35, paid a year ago, they still sent to collections in error, called them and they are in the process of removing it), and Credence Resource Management (T-mobile) was added to my Experian.
So for a few days my Experian was up to 640 from 594.
Here are my current FICO scores:
EQ - 592 (up 25)
TU - 603
EX - 598 (down 42) - down because of the two new reporting collections. waiting for one to be removed as it was placed in error. will dispute to get it jump started if not off soon. also Credence Resource, I called them and they could not promise a pay for delete. still going to pay t-mobile directly and have it removed. however CRM did offer a settlement price.
I received two new reports from TU and EQ and it looks like my previous deleted address are now back on my report. Will dispute all of those again.
I got the itchy app fingers. Still holding off. But really want to apply for something. Maybe Walmart?
I keep requesting CLI with my Cap1 cards but getting the "account too new" document. Will try again next week.
Having my score hit 640 made me feel on top of the world. Now that I know it can get there I am fighting to get back.
Any readers with any advice? Should I app? Should I dispute FedLoan since they removed it from my other two reports? Should I talk to EQ directly?
Thank you for reading. Just updated
Scores April 2, 2016 Scores May 18, 2016
Equifax 550 Equifax 592
TransUnion 548 TransUnion 603
Experian 584 Experian 598 (for 3 whole days I was at 640)
Scores May 18, 2016
EQ 592
Trans 603
EX 598
Scores June 10, 2016
EQ 613
Trans 622
EX 600
currently waiting for score updates for EQ and EX
received CLI on Cap 1 cards.
approved for Walmart Card - SL $400
approved for Overstock - $250