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05-01-2013 10:55 PM
First time poster! I can not say thank you enough. As of 6 weeks ago I had a 598 credit score, 6 baddies from years ago, 3 secured cards, 4 store cards, and 3 subprime cards. My AAoA is a year and a half. All my payments have been on time. In these past 6 weeks, I have totally observed all the posts, and have successfully removed all baddies off all reports. Last week I was approved for Discover It, Chase Slate, Capital One Cash Back. And as of today Amex approved me for a Blue Cash. All through manual recons using back door numbers. A little history, last year bought a HUD home with cash, and ran high balances during the remodel process for a year. During the past year I never was late or missed a payment though. Never asked for cli or new cards. Paid off everything in Feb. and started the process. 2 Afni's, 2 Verizon's , I Trident,
And a utility bill. This has been the most stressful time, it's a full time job by itself.. I will tell anyone hang in there, and don't give up. Wanted to say the hell with it and wife and kids pushed me on. Have a good support system while you rebuild because you WILL need it. As of today my Fico is a 723 and climbing. I never would have gotten this far, without this forum. Remember this it's not how you fall, but how you get back up. I just wanted to say thanks again, and it can be done to those ready to give up. I posted this in credit cards, but this is the forum it all started with.
05-02-2013 03:32 AM
Remember this it's not how you fall, but how you get back up.
This IS a good mantra! Thanks for sharing :-)
05-02-2013 04:02 AM
That's great! Now you can stick around and pass on your experience to others that need help.
05-02-2013 04:25 AM
Very nice work!
05-02-2013 06:48 AM
05-02-2013 06:51 AM
I have a good relationship with 'my girl' from AFNI. She has really worked her butt off for me. It's kinda sad when she calls, she's in my iphone so I answer with her name.
I think you CAN reach a person who is understanding, but you also need to not be an ass to get the job done.