Went from over 20k in debt down to just 5k.

Anonymous · ‎01-30-2017

The 5k left is my car loan. I can't believe I made it this far, there was so many hurdles to jump over to clear my credit. I got a Verizon cellphone bill 1k removed, an apartment lease collection for 9k removed, my student loan removed, my capital one baddies all removed, first premier collection removed, and I think that's it. Now I'm just trying to get rid of these **bleep** inquiries. I went a little crazy applying for CC's back when I didn't understand anything about credit. My score when I first started working on it was about 500 and now it currently sits at 640. if I can do it, then any of you guys can do it l it!

MrsCHX · ‎01-30-2017

Nicely done! Those inq's will age off in time. You're doing great!!

NFCU: $25,000; PenFed Power Cash Rewards: $3,500; PenFed Gold: $2,500; Capital One: $2,300; Nordstrom Visa: $2,000; Credit One: $1,250
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Anonymous · ‎01-30-2017

@Anonymous wrote:
The 5k left is my car loan. I can't believe I made it this far, there was so many hurdles to jump over to clear my credit. I got a Verizon cellphone bill 1k removed, an apartment lease collection for 9k removed, my student loan removed, my capital one baddies all removed, first premier collection removed, and I think that's it. Now I'm just trying to get rid of these **bleep** inquiries. I went a little crazy applying for CC's back when I didn't understand anything about credit. My score when I first started working on it was about 500 and now it currently sits at 640. if I can do it, then any of you guys can do it l it!

The inquiries will remain. You can't get rid of them.

Where did you obtain your score?

Anonymous · ‎02-01-2017

I got my ficos off of this site and also at each credit bureau.

bakermommy · ‎02-02-2017

How did you get your apartment lease collection removed? Who's the CA? I'm having some issues with inaccuracies. It was removed from one CRA but not the other two. Any help would be great! And kudos to your success!!

Anonymous · ‎02-02-2017

@bakermommy wrote:
How did you get your apartment lease collection removed? Who's the CA? I'm having some issues with inaccuracies. It was removed from one CRA but not the other two. Any help would be great! And kudos to your success!!

I'm wondering the same thing. Also, did you have to pay all of that debt off or were you able to negoiate lower payments? I'm trying to fiure all of this out so that I can avoid bankruptcy myself, but I also have a $9k apartment lease on there, plus an $11k car repo. If it wasn't for those two things, paying off my debt would be super simple.

bakermommy · ‎02-02-2017

How old are the two debts? And who are they with? Some companies will work with you and offer a settlement

Blackswizz750 · ‎02-02-2017

I am happy for you to get 75% of your debt knocked out. How did you deal with the student loans, I have about 2 lates from 2012, 13, and 15.

Anonymous · ‎02-02-2017

I didn't pay a single dime to any of the companies. And in reguards to the student loan I kept disputing it as in verify if the debt was correct or not. Then I found a site that said you can get your student loan removed if you are disabled. So I requested that form but never filled it out. And then I ended up I disputing it as a fraudulent account and a few weeks later it was removed from all 3 bureaus.

Anonymous · ‎02-03-2017

congratulations! I have been struggling to get rid of an apartment gone wrong on my credit report for ages but they won't budge. How did you do it?