@MANNING2379 wrote:
I figure I've lurked long enough that I'll finally participate. So, after getting re-married a few months ago, and having my credit just absolutely wrecked by a mixture of my ex-wife and poor decisions, I finally decided to be a grown up and fix my credit. It also had to do with being recruited by a major financial institution in a pretty decent position and thinking several times that I almost lost the position due to my credit/background check. (Luckily, I gave good enough explanations that they moved forward with the offer.)
So, on 11/15, I pulled myfico reports and scores and they were as follows;
EQ-523
TU-531
EX-511
This included;
17 collections (half medical bills from my ex-wife, one bank account that was our joint account that I allowed her to keep and she overdrafted and abandoned it, two cell phone providers and then a few that I did on my own once I knew my credit was going to be ruined anyway.) Also, there is a judgment from a "payday loan" (yeah, yeah, I know, I know.)
On 11/21 I decided it was time to fix this mess;
.....
Ten months in (almost to the day)
EQ- 624 (up 101 pts.)
TU - 634 (up 103 pts.)
EX - 636 (up 125 pts.)
Collections are down from 17 to 4-6 depending on the report (and they're just going to have to age off) and scores continue to rise.
I've added a enough tradelines (revolving and installment) to maximize what I need. However, it does get aggravating that I can't get approved for anything, card wise (no Cap 1, no Barclays)
Quite frankly though, the long term goal is a house,even though the short term gain isn't what I'd like, I need to see that in 10 months, I have gained over 100 points on each bureau.
Oh, and refinancing my double digit interest rate car would be nice as well, but I don't see that happening any time soon either.
