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Very Excited

Valued Member

Very Excited

My husband and I have been working on our credit since Feb. When we first started, we had over $15000 in debt, NASTY credit and tons of collections on our credit reports.

 

Since then we have been able to remove all of my collections (I had about 10 on my reports), a few hard inquiries off our reports and all but two collections off my husbands reports.

 

In March we were able to get a car loan with an 8.25% interest and a co signer. Both of our scores were under 500 then.

 

So after a few months of not working on our credit, I decided today to check into it... My scores are 592 with TU and 582 with EQ. My husbands TU is 599 and his EQ is 562. I about fell out of my chair when I saw these scores. We are hoping to get a newer truck in the end of Sept. once we pay off his old one, and this just goes to show that we should be able to do with decent interest rates and without a co signer!

2/14/12 TU- 633 EQ- 651
5/9/10 TU-610 EQ- 610
4/15/10 TU-591 EQ- 610 EX-634(Credit pulled for house loan)
1/18/10 TU-601 EQ- 610
8/6/09 TU-592 EQ-611
8/4/09 TU-592 EQ-582
6/10/09 TU-??? EQ- 580
5/1/09 TU-559 EQ-546
3/26/09 TU- 482; EQ- 493 (Applied for a car loan; GOT APPROVED!)
3/12/09 EQ- 502
1/27/09 TU- 462
Message 1 of 9
8 REPLIES
Established Contributor

Re: Very Excited

Congrats on all of your hard work paying off!!
Message 2 of 9
Regular Contributor

Re: Very Excited

Did you PFD all of you collections? I have gotten NO response from the letters I sent last month and am wondering how you got yours deleted?
Message 3 of 9
Valued Member

Re: Very Excited

We called the companies and settled with them and then we disputed them. I did all of that before I found out about this website and really learned how I should have done it.
2/14/12 TU- 633 EQ- 651
5/9/10 TU-610 EQ- 610
4/15/10 TU-591 EQ- 610 EX-634(Credit pulled for house loan)
1/18/10 TU-601 EQ- 610
8/6/09 TU-592 EQ-611
8/4/09 TU-592 EQ-582
6/10/09 TU-??? EQ- 580
5/1/09 TU-559 EQ-546
3/26/09 TU- 482; EQ- 493 (Applied for a car loan; GOT APPROVED!)
3/12/09 EQ- 502
1/27/09 TU- 462
Message 4 of 9
Valued Contributor

Re: Very Excited

Congrats OP. Wondering though whats holding your scores down.
Message 5 of 9
Valued Member

Re: Very Excited

What were some of the ca's you got deleted by only settling and disputing? That's an unusual amount of success in my opinion with going that route. Did they advise you to dispute after you settled with them?
Message 6 of 9
Valued Member

Re: Very Excited

They did not advise anything when we paid them off.

 

Some of the things holding my credit down is my AAOA, I've had serious delinquincies in the past, I've had charge offs... things like that. All of those things I am accountable for too, so thats not an issue. I'm just working my butt off to make my credit as good as possible!

2/14/12 TU- 633 EQ- 651
5/9/10 TU-610 EQ- 610
4/15/10 TU-591 EQ- 610 EX-634(Credit pulled for house loan)
1/18/10 TU-601 EQ- 610
8/6/09 TU-592 EQ-611
8/4/09 TU-592 EQ-582
6/10/09 TU-??? EQ- 580
5/1/09 TU-559 EQ-546
3/26/09 TU- 482; EQ- 493 (Applied for a car loan; GOT APPROVED!)
3/12/09 EQ- 502
1/27/09 TU- 462
Message 7 of 9
Valued Member

Re: Very Excited

All the Collection companies we dealt with were local. Like PCA and AAA....
2/14/12 TU- 633 EQ- 651
5/9/10 TU-610 EQ- 610
4/15/10 TU-591 EQ- 610 EX-634(Credit pulled for house loan)
1/18/10 TU-601 EQ- 610
8/6/09 TU-592 EQ-611
8/4/09 TU-592 EQ-582
6/10/09 TU-??? EQ- 580
5/1/09 TU-559 EQ-546
3/26/09 TU- 482; EQ- 493 (Applied for a car loan; GOT APPROVED!)
3/12/09 EQ- 502
1/27/09 TU- 462
Message 8 of 9
Valued Member

Re: Very Excited

I am very excited. My husband and I both recieved score jumps yesterday. I got a 29 point increase so now my EQ is at 611. My husband jumped 19 points and his EQ is now at 581. I am just glowing today. I can't believe it. In 5 months my EQ has jumped 119 points!
2/14/12 TU- 633 EQ- 651
5/9/10 TU-610 EQ- 610
4/15/10 TU-591 EQ- 610 EX-634(Credit pulled for house loan)
1/18/10 TU-601 EQ- 610
8/6/09 TU-592 EQ-611
8/4/09 TU-592 EQ-582
6/10/09 TU-??? EQ- 580
5/1/09 TU-559 EQ-546
3/26/09 TU- 482; EQ- 493 (Applied for a car loan; GOT APPROVED!)
3/12/09 EQ- 502
1/27/09 TU- 462
Message 9 of 9