Hi all!
Haven't been on in a while, but just wanted to share our progress. I started actively working on my credit in March 2013 and have had some great success. I left my husband's credit alone because I thought his was impossible to fix. But I was wrong. I started sending out DVs, PFDs, and GWs for him (because I was having so much fun fixing mine), and I think he's been more successful than me! Here's our story:
We jointly applied for a mortgage in April 2012, knowing we probably wouldn't get approved.
Starting scores 04/2012:
Ravensfan2001 - TU 596, EX 550, EQ 576
WildTurkey - TU 564, EX 504, EQ 522
Ravensfan2001 - 12 collection accounts, 2 unpaid judgments (2010)
WildTurkey - 19 collection accounts, 4 unpaid judgments (2 jointly with me)
Ravensfan2001 credit profile:
3/2011 - 36-month auto loan from ACFCU (joint with WildTurkey)
8/2012 - 12-month secured personal loan from Citibank
12/2012 - 48-month auto loan from Toyota Financial
5/2012 - Capital One secured MC (closed 5/2013)
8/2012 - Fingerhut $650-->$950
10/2012 - SDFCU secured Visa $500
11/2012 - Target $200-->$300-->$500
11/2012 - Walmart $600-->$700-->$900
11/2012 - Amazon $600-->$850-->$1050
11/2012 - JC Penney $150-->$400
11/2012 - Old Navy $250-->$350
11/2012 - PayPal SC $500-->$600
11/2012 - NFL Visa $500-->$2000
11/2012 - ACFCU Visa $1000
Out of my 12 collection accounts, I have 3 unpaid ones left:
Midland - plan to PFD for less
Complete Collection Service - refused PFD
United Consumers - never responded to any letter
9 Collection accounts paid or deleted:
Credit One Bank - expired CRTP
Capital One/HSBC - settled, expired CRTP
Portfolio Recovery - expired CRTP
Portfolio Recovery - settled, expired CRTP
Credit Collection Service - expired CRTP
Credit Control Corp - GW
Northern Resolution - deleted, don't know why, but oh well
Suburban Credit Corp - PFD
Nationwide Credit Corp - paid, currently GW-ing
Medical judgments were paid 5/2013, but still on CR
I cancelled SW, but my last EQ score was 678. TU 646. Not sure about EX, but from a credit app in February, it was 620.
WildTurkey's credit profile:
3/2011 - 36-month auto loan from ACFCU
5/2012 - Secured Capital One MC $200-->$300
11/2012 - NFL Visa AU $2000
11/2012 - Walmart AU $900
11/2012 - Target AU $500
5/2013 - Walmart $500
5/2013 - CareCredit $1000
5/2013 - Victoria's Secret (I couldn't get approved so I applied for him. LOL!) $250
Out of 19 collections, 7 are left unpaid:
Berks Credit & Collections - contacted OC, waiting for reply
Berks Credit & Collections - will send PFD, waiting for response for above
Complete Collections Service - refused PFD
Suburban Credit - will send PFD
Suburban Credit - will send PFD
Suburban Credit - will send PFD
Vantria FCU - will send PFD
12 Collection accounts paid or deleted:
Jefferson Capital - expired CRTP
Professional Account Management - PIF, deleted
Professional Account Management - PIF, deleted
Professional Account Management - PIF, deleted
RJM Acquisition - PFD, very easy to deal with
Suburban Credit Corp - DV'd 6 accounts, 3 were deleted
American Medical Coll - GW'd, deleted
DECA Financial Svc - DV'd, deleted
American Collections Enterprise - PFD
IC Systems - DV'd, deleted
Medical judgments - 3 PIF, 1 currently paying monthly
Not sure of current scores but Walmart TU is 628. Last SW EQ score was 575.
___________________________________________________________________________
Our goal is to buy a house before the start of the school year in 2014. With the way things are going, I think we'll make it. I'm doing a lot of research now preparing to apply for a mortgage. It's a lot of work! I don't have a lot of savings now, but just changed my automatic savings deposits to $400/bi-weekly. I also paid off most of my credit cards (again), and am going to SD all but my NFL Visa (gotta represent my Ravens!).
I wouldn't be where I am now without this forum. I was clueless before, so I am sooo glad to find this. Thank you all for your help and advice!
A happy Father's Day to all the daddys!
