Reply
New Member
Posts: 3
Registered: ‎11-27-2012
0

Success So Far.

Started reading these boards back in September and read for about a month prior to taking any action aside from getting my reports and figuring out where I stood.  It was not too good. 3 Charge offs, and a LOT of late pays.

 

Started with simply removing all old addresses via online disputes at the big 3, then  sent verification requests to the big 3.

 

So far my scores have gone up an average of 55 points in one month! 

 

Last week sent out GW letter to one creditor.  This week sent out PFDs and GW letters to 4 creditors.  Luckily I have some money saved up to pay all of the debts if necessary, but want to do it the best way that will benefit my score.

 

Look forward to more success.


Starting Score: TU 540 EQ 523 EX 530 9/15/12
Current Score: TU 595 EQ 576 EX 577 11/26/12
Goal Score: 650


Take the FICO Fitness Challenge
New Member
Posts: 3
Registered: ‎11-27-2012
0

Re: Success So Far.

Also applied for and received NFCU secured card.  They started reporting immediately and I think that may have had a nice effect on my score.  They also pulled credit.


Starting Score: TU 540 EQ 523 EX 530 9/15/12
Current Score: TU 595 EQ 576 EX 577 11/26/12
Goal Score: 650


Take the FICO Fitness Challenge
Established Contributor
Posts: 570
Registered: ‎02-12-2011
0

Re: Success So Far.

Very nice! Congrats on 55 points so far. I want to try to get in with NFCU. My Grandfather recently passed and had a military like burial, he was in the coast guard. I am pretty sure if he got buried with honor like that that it should count as the Coast Guard Officer Program? I'll have to check, but I imagine it's going to be a pain with him being deceased and me having no other information.



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,469
Registered: ‎08-30-2012
0

Re: Success So Far.

Congrats!!!

 

sphinx, call them and ask.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
What's in my wallet? Cap1 PLAT AU $4.25k; Cap1 QS AU $2k; NFCU Siggy $45k; $5k WalMart MC; CFNA Firestone $1.8k; Amazon $3k; NFCU Cash Rewards $22K; AMEX BCE $21k; NavCheck $15k; Lowe's $10k; Citi DP $7.7k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Success So Far.

Congrats

Established Contributor
Posts: 905
Registered: ‎07-25-2008
0

Re: Success So Far.

Congrats :smileyvery-happy:

 


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Contributor
Posts: 97
Registered: ‎11-13-2008
0

Re: Success So Far.

Wow...that is great, but I am a little confuse....does having old address removed from crei
Do it report increase your score? Please explain if so. I am on the road to recoverery


Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.