I began my journey about 6 weeks ago. I have found very good advice from Veteran members,as well as inspiration on my fellow High achievers and newbies (like me).
I have GW'ed, Disputed and played the waiting game.
Here a my results so far:
Mid May 2012 Scores - EQ 586 EX 601 TU 575
Mid Nov 2012 Scores - EQ 641 EX 626 TU 614
Mid Dec 2012 Scores - EQ 630 EX 626 TU 591
Mid Jan 2013 Scores - EQ 643 EX 633 TU 646
Mid Feb 2013 Scores - EQ 676 EX 648 TU 676
Removed: Baddie from TU - Gone !
Updated: Baddie on EQ, EX - Updated, but still misreporting a balance/status.
Paid: CO to OC on TU, EX hoping it will disappear by the end of this month.
GWs sent :
Capital One - Response: Sorry but we are reporting correctly and can't update anything (I wrote them to GW two 30Day lates 1st- 2010 & 2nd- 2011)
Port Folio Recory - Baddie from 2010. Paid. Response: Sorry but we are reporting correctly, blah, blah. No luck
Disputes:
Direct 623a - Citi and CB - Information is still being misreported as of Mid Feb. Sent CMRR letters with documentation. Will have to wait at least 30 days to get update on it, then if no response, BBB, CFPB or FTC complaint will be filed.
New - Obtained Secured CC from WFargo. Reporting since Feb2013
Goal - 700+ by June 2013 or earlier.
Will seek Walmart after hitting 700 mark, then to the garden.
Very nice improvement!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
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!
June 2017 update: All scores over 820, just pure gardening now.
Nice! Keep plugging away and you'll get there.
Starting Score: 608 EQ (FICO) 8/11/11
Update: Applied for two cards.
New Cards : Amazon ($400) and Walmart ($150). pulled TU.
EQ dropped 14 points but i think It's due to the changes and pending dispute.
Will get score updated in Mid March and post it.
New Cards : Amazon ($400) and Walmart ($150). pulled TU.
EQ dropped 14 points but i think It's due to the changes and pending dispute.
Will get score updated in Mid March and post it.