topic Re: Update since being here. in General Credit Topics

Update since being here.

Anonymous — Mon, 10 Dec 2007 13:18:18 GMT

When I started here recently, I thought there was no hope. But now I see some light. Even though I'm not close to a 36 month lease on a new BMW 745, I am digging my way out. And, don't let me forget to mention the help from this board and it's members!

Start - EQ 449

2 Months later ( 12-6 EQ 528 )

And expecting another jump soon from some new removals.

I got two increases so far. The first was from a 449 to a whopping 460. And the other day, I about fell out when I got an alert that it went to a 528.

Re: Update since being here.

Anonymous — Mon, 10 Dec 2007 13:25:30 GMT

Keep at it- you will be in the 600's before you know it.

Re: Update since being here.

Anonymous — Mon, 10 Dec 2007 13:28:52 GMT

If I hit a 600, I am buying rounds for all!!!! I wouldnt know what to do except cry. lol. I had a decent score right out of the Army in 2001, but was all downhill from there. Now that I am 26, I see the importance of a good score.

Question~ I am focusing on one CRA at a time. EQ first. When I get my EQ high enough to refi my car with a better rate, is there a way to find a lender that will only pull EQ. Cause my TU and EX are still going to be tanked till I work on each of those. Thanks!

Re: Update since being here.

My_dog_FICO — Mon, 10 Dec 2007 13:29:32 GMT

good job JPS. Follow the advice given here about GW, DV, Disputes, know your SOLs, and use as many PFD letters as you can. It may take a few months to get everything cleaned up, and some things just take time to correct like lates and utility. Learn the good practices and eventually you'll be playing the FICO game like a pro.

Ruff!

Re: Update since being here.

Anonymous — Mon, 10 Dec 2007 13:33:46 GMT

My advice to to hit the biggest nastiest stuff first-

Save the low hanging fruit for last-

I was at 480 Nov/Dec 06 and will be breaking 700 soon.
There is hope.

@Anonymous wrote:
If I hit a 600, I am buying rounds for all!!!! I wouldnt know what to do except cry. lol. I had a decent score right out of the Army in 2001, but was all downhill from there. Now that I am 26, I see the importance of a good score.
Question~ I am focusing on one CRA at a time. EQ first. When I get my EQ high enough to refi my car with a better rate, is there a way to find a lender that will only pull EQ. Cause my TU and EX are still going to be tanked till I work on each of those. Thanks!

Re: Update since being here.

fishbjc — Mon, 10 Dec 2007 13:34:23 GMT

Good Job, it takes awhile, but we'll all get there!

Re: Update since being here.

Anonymous — Mon, 10 Dec 2007 13:39:03 GMT

Thanks all. This is what I have left ( bad )

6 medical collections - range from 90$ to 275$

1 Charged of CC that is showing open ( meanies ) 344$ ( 2 yrs old and a limit of 300 )( i think when I take care of that, I will see i big jump )

And 3 other collections totaling about 500$

Re: Update since being here.

My_dog_FICO — Mon, 10 Dec 2007 14:32:30 GMT

JPS - make sure that you're trying to settle these collections with the OC first. If they're willing to take payment, the the CA's need to delete their entry on your CR.

If you do end up dealing with the CAs, only do it in writing. Check the SOL for your state, and if they are licensed to collect in your state. If they are and your within SOL, play nice, but ask for PFD. If they aren't or the debt is past SOL, be firm when using PFD.

Re: Update since being here.

jackg — Mon, 10 Dec 2007 18:08:54 GMT

jps

Here's a suggestion that may move you forward in 2 areas;

1. Join a credit union. NFCU is in my opinion #1 but I'm certain you'll make the right choice.

2. Credit unions are the best for refinancing autos.

Bottom Line: FICO likes a variety of credit types, a revolving (CC) or installment (auto) type will open the door for additional points.

Re: Update since being here.

Tuscani — Thu, 13 Dec 2007 22:57:44 GMT

Super!

Please share your success in the "Success Stories" thread!

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=27512

Re: Update since being here.

MidnightVoice — Thu, 13 Dec 2007 23:01:11 GMT

Tuscani wrote:
Super!

Please share your success in the "Success Stories" thread!

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=27512

yup, the place is getting just like ~~Alco~~ficoholics Anonymous