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Contributor
Rlandon87
Posts: 92
Registered: ‎10-03-2012

:)

Wow.... This site is amazing.

Since I joined just last week.
2 HP inquiries removed
2 negative tradelines removed
1 secured cc open and reporting
2 CA showing paid in full even tho settled WAY lower (still want removed :/ )
All debt reporting current pays as agreed

Score from 533 to 577 in a week :smileyhappy:)))

Still pushing for more .... I still haven't received responses from 85% of the gw's
FICO- Ex/655. TU/627. EQ/621
My wallet: NFCUCashR/10k, DiscoverIT/3k, ChaseFreedom/2k, CFNA/Firestone/1k, Cap1Quicksilver/1500, Buckle/450, Express/700, J.Crew/650, Walmart/600, OldNavy/200 AE/150
AAoA- 3.5
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: :)

Awesome work!   Keep it going and good luck on the GWs!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
S7
Posts: 568
Registered: ‎08-24-2012

Re: :)

Congrats!!

 

How did you manage the removal of the HPs?

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Contributor
Rlandon87
Posts: 92
Registered: ‎10-03-2012

Re: :)

Age... Is there a way to GW for deletes??
FICO- Ex/655. TU/627. EQ/621
My wallet: NFCUCashR/10k, DiscoverIT/3k, ChaseFreedom/2k, CFNA/Firestone/1k, Cap1Quicksilver/1500, Buckle/450, Express/700, J.Crew/650, Walmart/600, OldNavy/200 AE/150
AAoA- 3.5
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: :)

Absolutely.  Read the thread below and formulate your game plan.

 

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/GW-letter-Q-amp-A-Examples-and-GW-Success-Sto...


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
Rlandon87
Posts: 92
Registered: ‎10-03-2012

Re: :)

Thanks!
FICO- Ex/655. TU/627. EQ/621
My wallet: NFCUCashR/10k, DiscoverIT/3k, ChaseFreedom/2k, CFNA/Firestone/1k, Cap1Quicksilver/1500, Buckle/450, Express/700, J.Crew/650, Walmart/600, OldNavy/200 AE/150
AAoA- 3.5
Contributor
Rlandon87
Posts: 92
Registered: ‎10-03-2012

Re: :)

Didn't know you could GW an inquiry.

And didn't want to dispute with the CRA's because of fraud alert
FICO- Ex/655. TU/627. EQ/621
My wallet: NFCUCashR/10k, DiscoverIT/3k, ChaseFreedom/2k, CFNA/Firestone/1k, Cap1Quicksilver/1500, Buckle/450, Express/700, J.Crew/650, Walmart/600, OldNavy/200 AE/150
AAoA- 3.5
Moderator
Shogun
Posts: 12,875
Registered: ‎04-15-2011

Re: :)

+1  I find it always better to dispute with the creditors vs the CRAs.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Contributor
4us-
Posts: 90
Registered: ‎08-06-2012

Re: :)

Congratulations! 

 

I didn't know you could GW a HP either.  I think I am going to try that!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Contributor
Rlandon87
Posts: 92
Registered: ‎10-03-2012

Re: :)

Score jumped +14 on experian again today


I'm getting really close to an acceptable score- PLEASE PLEASE PLEASE
If anyone has good contact info for any of these let me know. They are all little 30/60/90's But they are killing my pay %

GECRB. PORTFOLIO RECOVERY. CHASE

MOHELA. FEDLOAN SERVICING SERVICING
FICO- Ex/655. TU/627. EQ/621
My wallet: NFCUCashR/10k, DiscoverIT/3k, ChaseFreedom/2k, CFNA/Firestone/1k, Cap1Quicksilver/1500, Buckle/450, Express/700, J.Crew/650, Walmart/600, OldNavy/200 AE/150
AAoA- 3.5

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