Rebuilding Your Credit

[hoping2rebuild]

Yes Absolute is gone just try sending them some GW's

I got mine gone via PFD

Granite/Resurgent sent me the same cookie cutter so I filed complaints against them with

their state AG's office waiting to hear back on that.

[OnthewaytoAPlus]

Ok great, I will definitely send out a GW to Absolute! I hope you get somewhere with Resurgent, I'll try to update if I make any significant progress with them.

[hoping2rebuild]

Pulled a scorewatch report this morning and I am up 28 points

strange I didn't get an alert though.

Asset Acceptance was GONE

Credit One Bank Charge off GONE (Thank you GW letter)

State Collection Service GONE

3 of 4 Paragon Revenue Group Medical Collections GONE

Can't wait to see what the new year brings

TU up +30 only have one collection left on that report

and will PFD that when I get my taxes back

Just so pumped up and rejuvinated now that I am seeing some

decent score increases ready to get back at this full steam ahead.

[hoping2rebuild]

Got this this evening +2 

Alert:

Your FICO® score has exceeded your target score of 534

Score Watch alert/Changes to your FICO® Score

Your FICO® score has gone up to 536 on January 3, 2012.

Target score alert:

Your FICO® score has exceeded your target score of 534.

Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:

• You’ve recently missed a payment or the date of your most recent missed payment is unknown

[FairCredBen]

WOOHOO! keep up the good work!!!  

[hoping2rebuild]

and as of Yesterday -19

had a new collection pop up on my report NO Dunning notice or anything

just Poof there it was, DV going out in the morning wish me luck

[FairCredBen]

Good luck! wishing the best for you! make sure its CMRRR  

[hoping2rebuild]

I had to take some time off from rebuilding

I finally got both my EQ files combined into 1 and

that dropped my score about 50 points

So I am in the process of getting those baddies that had been removed off

my report AGAIN!!!  I know that I won't have a squeeky clean report until May 2015

and I can deal with that one baddie hanging around till then as I can't pay it in full and

they will NOT do a PFD.

[hoping2rebuild]

Sorry for this but if I write it down, I usually stick to my game plan better so here goes:

Paying off 50% of my Util this month they all will be paid to ZER0 by the end of NOV except my cap 1

which I put my dog's food on each month that is 15.00, I suck at calculating Util but I don't think

15.00 on 900.00 will be a huge hit and hurt my scores too much.

Hopefully I will see a decent score increase next month when they report

both TU and EX are over 600 hoping EQ will follow along soon

Got a cap 1 secured card in Jan and they gave me a nice little $200.00 credit line increase a couple months ago

Putting about 550.00 a month into savings for rainey days so I have something to fall back on so my bills won't get behind.

I still have that one baddie on my report that will fall off in 2015 but with it's age it is doing less damage, when I started rebuilding

thanks to a divorce I had a total of 22 med collections and 18 other collections for a total of 40 but thanks to PFD and DV letters I am down

to that one lonely collection.

A repo from 2007 that was on EX is gone don't know why but is is GONE...

I am not gonna apply for any new credit until the end of 2013.

Thanks for all the help and advice I have gotten here