topic Re: SCORE UPDATE in General Credit Topics

SCORE UPDATE (+200)

aftermath — Tue, 10 Jun 2008 00:15:00 GMT

Hello all,

I just wanted to tell you how THANKFUL I am that I happened to stumble upon this site and how GRATEFUL I am for the information I have obtained from all the knowledgable people on this forum.

Just exactly 1 month ago, all my scores were in the mid 500's. I followed all the advise down to the "T"

I have PIF'd, DISPUTED, PFD'd, GW'd, NON-PP'd, 1% Utilization, you name it, i've done it.

Just checked my scores today...

Your Latest FICO® Scores TransUnion

707

Date: 6/9/2008
Equifax

651

Date: 6/9/2008
Experian

726

Date: 6/9/2008

...and more headroom for improvement!

I just applied for a BofA Visa Signature and was approved for $10,000!

P.S. I HATE YOU EQUIFAX! (They haven't posted all updates yet).

Message Edited by aftermath on 06-09-2008 05:15 PM

Re: SCORE UPDATE

Anonymous — Mon, 09 Jun 2008 23:51:33 GMT

wow that is amazing and awsome, seriously how in only a month you increase your scores that much..i need to get back on the bandwagon..

that is so great, all that hard work has paid off for sure

Re: SCORE UPDATE

aftermath — Mon, 09 Jun 2008 23:55:50 GMT

bamagirl1 wrote:
wow that is amazing and awsome, seriously how in only a month you increase your scores that much..i need to get back on the bandwagon..

that is so great, all that hard work has paid off for sure

Thanks for the congrats!

I've had roughly 9 years of credit, with missed/late payments here and there, a couple of collections, a couple of charge-offs, and high utilization.

I was very fortunate that I was able to negotiate these all on my first try without having to follow-up or re-dispute. Every request I sent out was just taken care of without any contest.

Re: SCORE UPDATE

Anonymous — Tue, 10 Jun 2008 00:20:45 GMT

WOW! I thought I did good with 100 points in a YEAR! That's amazing. Absolutely amazing! Good for you!!

Re: SCORE UPDATE (+200)

islandchild82 — Tue, 10 Jun 2008 00:49:34 GMT

That is so awesome! A great success story! Congrats!

Re: SCORE UPDATE (+200)

llecs — Tue, 10 Jun 2008 02:47:05 GMT

Jaw drop!

Re: SCORE UPDATE (+200)

MFSER — Tue, 10 Jun 2008 02:56:18 GMT

congrats!

Re: SCORE UPDATE (+200)

n2win — Tue, 10 Jun 2008 04:37:59 GMT

WoW

That is inspiring!!

Congratulations!!

Re: SCORE UPDATE (+200)

ChuckG — Tue, 10 Jun 2008 06:29:16 GMT

Can you please share your negotiation techniques, particularly with respect to charge-offs? None of mine have budged in 4 months.

Re: SCORE UPDATE (+200)

aftermath — Tue, 10 Jun 2008 06:56:41 GMT

@ChuckG wrote:
Can you please share your negotiation techniques, particularly with respect to charge-offs? None of mine have budged in 4 months.

No particular negotiation tactics were used to accomplish these. All I basically did for CO's that had balances remaining, I mailed a PFD letter. For CO's that were PIF, I mailed them a GW letter.

Luckily I must have caught the creditors right at the moment they had no fight left in them. Everything just kind of disappeared or were corrected on my reports without any correspondence from them.

I did have one CC account with 120 days late, but that was purely my fault and admitted to them that it was. Had a family tragedy during that time, and I had sent official hospital documentation (death certificate) along with the PFD just so they knew I wasn't making up some sappy story in order to receive compassion from them.

But besides that, everything else was a smooth sailing.

Re: SCORE UPDATE (+200)

Anonymous — Tue, 10 Jun 2008 11:34:07 GMT

That is INCREDIBLE!!! You went from having really bad credit to having pretty darn good credit in a month! You should definitely buy a nice bottle of champagne and celebrate! Congrats!

Re: SCORE UPDATE (+200)

Anonymous — Tue, 10 Jun 2008 13:16:08 GMT

Great job. I too went from toilet credit to Discover and American Express. It's a great feeling knowing I can apply for credit I need and be approved.

Except for NFCU, they just shot me down for a mortgage refi.

Re: SCORE UPDATE (+200)

Anonymous — Tue, 10 Jun 2008 16:45:09 GMT

WOW!!!!!!Congrats Thanks for sharing now other people will knw all it takes is a little time!!! and definetly patience! So what are u going to apply for! LOL...........

Re: SCORE UPDATE (+200)

aftermath — Tue, 10 Jun 2008 17:11:18 GMT

mrsanderson wrote:
WOW!!!!!!Congrats Thanks for sharing now other people will knw all it takes is a little time!!! and definetly patience! So what are u going to apply for! LOL...........

I was thinking about financing a Ferrari... never pay, ruin my credit, and start rebuilding again! LOL!

Re: SCORE UPDATE (+200)

Schoolbuskid — Tue, 10 Jun 2008 17:25:36 GMT

I am completely blown away at your accomplishments, nice nice job! Dont even go near that ferrari! LOL!

Re: SCORE UPDATE (+200)

fused — Tue, 10 Jun 2008 18:02:21 GMT

fantastico!

Re: SCORE UPDATE (+200)

Lel — Tue, 10 Jun 2008 18:21:38 GMT

At the risk of being repetitive....Wow! Congratulations!

You should tell us your story. Your exploits will passed down through the generations. Will Smith, step aside - aftermath is legend!

Re: SCORE UPDATE (+200)

HikingFICOMountain — Tue, 10 Jun 2008 19:09:18 GMT

TERRIFIC!!!

Re: SCORE UPDATE (+200)

Anonymous — Tue, 10 Jun 2008 21:09:28 GMT

aftermath wrote:

mrsanderson wrote:
WOW!!!!!!Congrats Thanks for sharing now other people will knw all it takes is a little time!!! and definetly patience! So what are u going to apply for! LOL...........

I was thinking about financing a Ferrari... never pay, ruin my credit, and start rebuilding again! LOL!

HAHA! Buying it and actually paying for it would probably be a better plan! I had a Challenge Stradale for a while, but I didn't enjoy it as much as I thought I would. If the strong Euro wasn't driving prices up so much I might have a 599 in the garage. Beautiful cars!

Re: SCORE UPDATE (+200)

aftermath — Wed, 11 Jun 2008 04:04:29 GMT

Thank you all so much for your kind congrats! I will keep you all posted as I continue on my "turbocharged" journey. I'm hoping to hit close to 800 by the end of this month once a couple more issues get resolved, as they are in the process of being "corrected".

I found that the key to success on reconstructing your credit is to be well informed, well ready, and most importantly... well prepared.

Message Edited by aftermath on 06-10-2008 09:04 PM