I've seen others documenting their credit repair journey so I thought I would to! In December I started with scores in the low to mid 500's. At the end of 2016 I opened up a Discover secured card and a Victoria Secret card. Right now EX (FICO) is 626.
Paragon $250 medical - PFD Midland $998 (CAP 1) - PFD Midland $983 (CAP 1) - PFD Midland $897 (Credit One Bank) - PFD
Portfolio Recovery $1809 (Walmart) - settled
Portfiolo Recocvery $485 (Care Credit) -removed
Amazon CO - in progress being reopened
Care Credit CO - account reopened 5/2017
Walmart CO - in progress being reopened
Credit One Bank CO
Mohela Student Loan - 2 60 day lates - 1 late removed
Navient - 3 60 day - lates 3 lates GW'd
AAOA 6 years, 2 months
Oldest account 10 years
Inquires: EQ 2, EX 3, TU 1
Scores as of June 2017: 650’s
As far as good accounts, I have these as paid well besides the two new cards:
10 other Navient student loans paid as agreed no lates
1 Navient student loan paid off
2 autos paid off no lates
1 personal loan from my bank paid off no lates
2 furniture financing loans paid off no lates
5 closed credit cards paid no lates
I think that is it for my profile. I'm impatiently waiting for Midland to update. I think for the next few months I'm going to focus on bugging Navient, Mohela, and Synchrony for GWs. My goal is to reach the 700 club!
As bad as I hated to I settled PRA today. They wouldn't budge on PFD's so I settled 65% balance. It feels good knowing I no longer owe collections and won't have to worry about being sued! So that is a plus! Maybe I'll try GWs at a later time.
Congrats on the amex approval, that's awesome! Keep working hard.