Sooo when I began this journey back in March my scores were in the mid 500 range. The first couple of months I have worked really dlligently to rebuild my credit scores and have slacked off. With that said, I just wanted to share some of my successes within the last 3-4 months.
Successes
-GEMB/Lowe's-2- 30 and 1-60 day lates removed
-HSBC-I had 120+ lates starting from June 2003-April 2004 ( I will spare the excuses as to why so behind). They completely deleted the TL. It was an old account and that is why I think that they decided to just delete it.
-Paid Med Collections (which I started working on 1 month ago using the HIPAA process). 1 collection with TU, 2 collections with EQ and 2 collections with EX. TU deleted completely. EQ deleted one. EX deleted one. So currently, I only have 1 each with EQ & EX. I will begin the HIPAA dispute with the OC soon.
-Paid CC's down to 10% Utilization
Remaining negatives:
-BB&T-2-30 and 1-60 day late from 2004. Will GW until it falls off and/or until they remove it
-2 Paid Med Collections
-Unpaid Med Collection from 2005-have DV'd, PFD'd everything but have heard nothing. Thought about disputing with the CRA to see if they can get anything out of the CA.
-Unpaid NCO collection. They deleted in May because they could not verify the account and now it's back on this month...strange
Negatives that I will have to wait for to fall off CR:
-Cap One
-School Loans
My scores are slowly reaching mid 600's. i hope to reach 700 by the end of the year. Not planning on buying a house or car in the next year so I can be patient (I hope) for my scores to rise.
I want to say thank you to those who have answered my questions, those who encouraged and inspired and for those who offered their support! =)
Don't give up!!! =)
Starting Score: TU 543 EQ 570 (03/21/10)