topic Re: I hit 734! in Rebuilding Your Credit

I hit 734!

Lasardo — Fri, 04 Jan 2013 05:42:34 GMT

You guys are awesome!
I love this website.
In 1 year I went from 554-734, 27 items 3 judgments removed.
Thanks all.

Re: I hit 734!

Anonymous — Fri, 04 Jan 2013 05:44:34 GMT

Wow that's really really good! Congrats!

How were you able to remove so much? Aged off or...?

Re: I hit 734!

Duncanrr — Fri, 04 Jan 2013 05:45:04 GMT

Slacker - you should had been 750 by now

Re: I hit 734!

Mish0817 — Fri, 04 Jan 2013 05:51:53 GMT

Please share how you accomplished this! its AMAZING!

Re: I hit 734!

Lasardo — Fri, 04 Jan 2013 06:10:16 GMT

I worked my tail off, I now have 3 4 1/2 in binders full if statements and letters. Stay organized.
I did not pay any other than 5, the others I disputed something, address account number, anything I could find that was incorrect. Usually the creditor didn't respond and it was deleted.
The majority of my bills were medical so I wrote sympathetic letters to the OC directly and advised situation, disabled, no income, unemployed. .. They asked for proof and I sent it in.
Used the HIPPAA process on some.
The judgments I wrote letters to the courts (speeding tickets)
I did a couple PFD
The rest I either did a PFD or I PIF and asked to delete.
At one point I used LL but realized very quickly I could do what they did so dumped them BUT they really helped with judgments.
Did several GW letters to remove 6 inquiry's.

I utilized this website every single step off the way..

Re: I hit 734!

Mish0817 — Fri, 04 Jan 2013 06:22:04 GMT

wow congrats to you... Im on a mission

Re: I hit 734!

Lasardo — Fri, 04 Jan 2013 06:26:24 GMT

As far as how I boosted my scores..
Getting the negatives off 1st as stated above but while doing that I opened 2 secured cards and eventually 2 credit cards, I maxed.. Paid in full, maxed, paid in full. I did this every month.
I had no credit history so I became an AU on 2 credit cards with high credit lines, his credit became mine. I gained 45 points this way.
I opened a Credit Builder" gained 34 points from that, I know this because it was closed on accident and credit score dropped 34 points..
There is a lot out there but I think getting good at letter writing, organization and using this website every single step of the way.

Re: I hit 734!

maluba — Fri, 04 Jan 2013 08:55:34 GMT

You're my hero! Congrats!

Re: I hit 734!

LIGHTNIN — Fri, 04 Jan 2013 09:12:59 GMT

Lasardo, Congrats to YOU! ! !

Now it's time to do the myFICO Boogie. Let's all DANCE, with Lasardo!!

Re: I hit 734!

Shogun — Fri, 04 Jan 2013 09:43:20 GMT

Most excellent!

Re: I hit 734!

hoping2rebuild — Fri, 04 Jan 2013 11:02:29 GMT

Yay Congrats :)

Re: I hit 734!

NewbieReed — Fri, 04 Jan 2013 12:06:36 GMT

WoW! Impressive. That is awesome!

Re: I hit 734!

Anonymous — Fri, 04 Jan 2013 14:35:20 GMT

Congrats

Re: I hit 734!

raisinitup — Fri, 04 Jan 2013 15:08:48 GMT

Lasardo, how did you GW your inquiries off ? I think I can show some increase on my end by getting some of these deleted (I have 9 on my TU). Did you write to the OC's or the CRA's and what did you say ?

Re: I hit 734!

loviedovie — Fri, 04 Jan 2013 17:48:30 GMT

@Lasardo wrote:
As far as how I boosted my scores..
Getting the negatives off 1st as stated above but while doing that I opened 2 secured cards and eventually 2 credit cards, I maxed.. Paid in full, maxed, paid in full. I did this every month.
I had no credit history so I became an AU on 2 credit cards with high credit lines, his credit became mine. I gained 45 points this way.
I opened a Credit Builder" gained 34 points from that, I know this because it was closed on accident and credit score dropped 34 points..
There is a lot out there but I think getting good at letter writing, organization and using this website every single step of the way.

LASARDO THIS IS AMAZING! CONGRATS!!!! Can I ask you two questions?

1. With lots of baddies is it more difficult to get lenders to GW? Or do you just knock them down one at a time until they are all gone.

2. What is a "credit builder?" Sounds like something that might be helpful to me.

p.s. why are you still posting in the rebuilding forum? Seems you are fairly well rebuilt!

Re: I hit 734!

eagle2013 — Fri, 04 Jan 2013 17:51:54 GMT

That's awesome! Gives me much hope. I agree these board are of such great help. Congrats again!

Re: I hit 734!

Anonymous — Fri, 04 Jan 2013 17:52:24 GMT

Congrats!! I'm still working my tail off

Re: I hit 734!

Lasardo — Fri, 04 Jan 2013 17:53:20 GMT

I forgot to mention that on medical bills, especially hospitals will waive 85% if not ALL of the debt by sending in proof of income.
I am now on my way to the mortgage portion of myfico.
I got pre-qualified for a loan at 3.125% but I have to watch those Crds, they are very tempting to spend.
Any advise?

Re: I hit 734!

Lasardo — Fri, 04 Jan 2013 18:05:10 GMT

Loviedovie-
You can send as many GW letters that you want to the OC BUT if you are disputing do that one at a time or 2 at a time any more than that and the credit bureau will flag you as having "frivolous" disputes and not process them so watch that.
Credit builder.-
You'll LOVE this!
I have posted a more detailed explanation of what one is if you look it up on this website but in a nut shell it is something most banks/credit unions are offering now. (I know of some banks)
Basically you put a amount from 1-5k in a CD, as you make on-time consecutive payments they are reported to the credit bureau so for example.. I went with 2k, I pay $87 a month that is withdrawn from my account every month (so I do not miss a payment,) that amount is reported to the credit bureau as I am making payments, at the end if 2 years the 2k is available to me. (You could pull it out sooner with a penalty)
So basically it is a great way to save AND build credit.
Cool huh?
If you have more questions on the credit builder, let me know.
And the answer as to why I am still here?
Bragging rights before I move to mortgages.

Re: I hit 734!

Epcot — Fri, 04 Jan 2013 21:31:27 GMT

That's great, Congrats!