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Success So Far.

New Member

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
Message 1 of 7
6 REPLIES
New Member

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
Message 2 of 7
Established Contributor

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: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 7
Valued Contributor

Re: Success So Far.

Congrats!!!

 

sphinx, call them and ask.

Scores: about 700 across the board
Total CL: $275k
Message 4 of 7
Established Contributor

Re: Success So Far.

Congrats

Message 5 of 7
Established Contributor

Re: Success So Far.

Congrats Smiley Very 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
Message 6 of 7
Contributor

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


Message 7 of 7