topic Re: 2 months - What a feeling! in General Credit Topics

2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 14:15:31 GMT

So I began the daunting prospect of disputing with CRAs, GWs, and PFDs. It was May 26th and I kept thinking to myself, "This is going to take forever - is it worth all the extra time?". Well, I stand today saying ------ YES IT IS!

Equifax on 5-26 = 665

Equifax on 7-26 = 768

Whoooo! Thanks to every single person on this board - I couldn't have done it without you. I have been working on my credit but never really saw much success until finding everyone here.

And yes, I have had my troubles. My wife and I had to have a co-signer on our first house a few years ago. Time will do wonders on your outlook....

Message Edited by daWorm on 07-29-2007 07:15 AM

Re: 2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 14:07:31 GMT

wonderful!

Re: 2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 15:23:34 GMT

wtg...amazing what education and time will do....Congratulations...

Re: 2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 15:36:09 GMT

That's a great increase - as long as you aren't currently disputing anything with EQ.

Re: 2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 16:34:11 GMT

Nope - Thank goodness...all done with that. Now I am in maintenance mode. Pay everything on time - watch all bills - monitor Scorewatch and TC...

Re: 2 months - What a feeling!

MidnightVoice — Sun, 29 Jul 2007 18:00:57 GMT

First fiscal responsibility - you have to learn that yourself.

Then play the FICO game - you can learn that here!!!

Re: 2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 23:39:14 GMT

Fantabulous!! There is truly hope for the rest of us!

Re: 2 months - What a feeling!

Anonymous — Sun, 29 Jul 2007 23:44:01 GMT

Excellent job!

Re: 2 months - What a feeling!

Anonymous — Mon, 30 Jul 2007 02:25:24 GMT

And it is a game...

My one big removal was for a medical collection. I contacted the CA and told the guy on the line I was willing to PFD. Immediately he said, "OK". I put together my Tuscani-inspired PDF and forwarded it to him. When he received it he called me and told me my letter was too complicated - there was no way he was approved to follow this but take his word for it, if I paid, he would delete. heard that before? We talked for a while and I thought to myself, "Well, this guy could either remove my entry after getting payment as he says he will or he will lie and I will have to live with my decision". I swallowed hard and sent a MO CMRRR. I got the receipt back and less than a week later it was removed from all reports. He kept his word!

Sometimes you make the right move, sometimes you don't. At the end of the day, hope you made more good than bad moves.

Re: 2 months - What a feeling!

Tuscani — Mon, 30 Jul 2007 14:00:40 GMT

Super!