topic Re: CYBERONE28 REBUILDING PROCESS in Rebuilding Your Credit

CYBERONE28 REBUILDING PROCESS

cyberone28 — Thu, 02 May 2013 00:48:50 GMT

i will keep a track on my rebuild process, you guys are great ive been reading so much lately, wish me luck..!!

HERE WE GOOOO!!!!

CHARGED OFFs

BK OF AMER paid in full $0 balance..

FST PREMIER balance $486

VERIZON balance $1328

COLLECTIONS.

ENHANCED RECOVERY COL removed

ANDERSON FINANCIAL AFNI removed

BILL ME LATER removed

LATE PAYMENTS

FAMSA INC

STARING SCORE

5/1/2013	538	Score Watch® alert: Your score is unchanged.	Yes	More info
	4/30/2013	538	Score Watch® alert: Your score exceeded your target of 510.	Yes	More info
	4/15/2013	509	Score Power report: Your score is unchanged.		More info
	4/7/2013	509	Score Watch® alert: Your score has dropped.	Yes	More info
	4/4/2013	516	Score Watch® alert: Your score has gone up.	Yes	More info
	3/29/2013	511	Score Watch® alert: Your score exceeded your target of 471.	Yes	More info
	3/26/2013	512	Score Power report: Your score is 512.

I WILL BE UPDATING THIS MAYBE IT WILL ENCOURAGE SOMEONE AS IT DID TO ME READING MADMANS REBUILD PROCESS

WISH ME LUCK

Re: CYBERONE28 REBUILDING PROCESS

cyberone28 — Wed, 01 May 2013 23:23:14 GMT

Today spoke with one of the FAMSA corporate and they told me to dispute those late payments since my account with them got refinanced and transfered to a new one they told me they will not answer and that way will be deleted..

lets see what happen.

my score jumped to 538 on 4/30/2013 because

ENHANCED RECOVERY COL

its GONE for GOOD!!!!

38 points increase

Re: CYBERONE28 REBUILDING PROCESS

quairosun — Wed, 01 May 2013 23:36:41 GMT

Good luck! I was where you were in 2012. You can see where I started and where I am now. I have one collection im in negotiations to get off and I should be fine. My key was to have NO late payments and keep utilization down on my credit cards. I also have a good mix of revolving and installment credit. The one thing missing is a mortgage, but it falls off in October.

Stay patient and positive and things will age and drop off, coupled with paying on time! You will get there!

Re: CYBERONE28 REBUILDING PROCESS

CreditExpressNJ — Wed, 01 May 2013 23:55:09 GMT

Verizon is gonna hard took me forever to get them removed nearly 3 months .... and i only owed 126 bucks which was for equipment that i never recieved because i canceled before i even got the service in my house...

Re: CYBERONE28 REBUILDING PROCESS

Anonymous — Thu, 02 May 2013 00:21:13 GMT

What was the deal with Enhanced Recovery? How did you get them removed. I have a collection from them that I havent done anything with.

Re: CYBERONE28 REBUILDING PROCESS

cyberone28 — Thu, 02 May 2013 00:36:01 GMT

i paid the Original Creditor AT&T the full amount then i called enhancement recovery and told them that the debt was paid in full to the original creditor, they reported a $0 balance last week, then i call them and politely asked them if they could delete it from my credit, the lady said, "deja ver que puedo hacer" (lets see what can i do) on 4/30/2013 fico alert score increase and USAA reported a collection deleted

GOOD LUCK TRY TO DV that was the next step i was goin to take

Re: CYBERONE28 REBUILDING PROCESS

Anonymous — Thu, 02 May 2013 00:38:45 GMT

Mine is for AT&T too.. Enhance Recovery sent me a settlement for like $150 but I didnt have it at the time, I may send them a PFD for the $150 and see what happens.

Re: CYBERONE28 REBUILDING PROCESS

cyberone28 — Thu, 02 May 2013 00:44:39 GMT

3 revolving accounts reporting

1ST PROGRESS/1ST EQUIT

Current

CAPITAL BANK

Current

WELLS FARGO BANK

Current

INSTALLMENT

FAMSA INC

Current

waiting on firstprogress open sky and famsa to report withing a week!!!

also paying in full first premier bank total $486 this week!!

keep it up guys!!!

im trying to get a secured loan but im not a member of any credit union ANY ideas where i could get it??

my girlfriend stopped me today from making a huge mistake i almost apply for a macys store card... would it be a HUGE DENIED and a ugly HP..

Re: CYBERONE28 REBUILDING PROCESS

cyberone28 — Thu, 02 May 2013 00:47:15 GMT

if the aacount is owned by ATT my suggestion is to pay the ORININAL CREDITOR then do a DV to the collection agency,

Re: CYBERONE28 REBUILDING PROCESS

cyberone28 — Thu, 02 May 2013 18:27:16 GMT

got an eliminateidtheft alert transunion score went to 548 from 528

Re: CYBERONE28 REBUILDING PROCESS

Hevj1119 — Thu, 02 May 2013 18:45:47 GMT

I try to tell myself (and my husband) not to put much weight into the eliminateidtheft scores...

My EQ score on there was like 555 the other, and my actual EQ fico score is nearing 640. So don't stress about those, keep up the good fight!

Re: CYBERONE28 REBUILDING PROCESS

CreditExpressNJ — Thu, 02 May 2013 22:37:05 GMT

@cyberone28 wrote:
3 revolving accounts reporting

1ST PROGRESS/1ST EQUIT
Current

CAPITAL BANK
Current

WELLS FARGO BANK
Current

INSTALLMENT

FAMSA INC
Current

waiting on firstprogress open sky and famsa to report withing a week!!!

also paying in full first premier bank total $486 this week!!

keep it up guys!!!

im trying to get a secured loan but im not a member of any credit union ANY ideas where i could get it??

my girlfriend stopped me today from making a huge mistake i almost apply for a macys store card... would it be a HUGE DENIED and a ugly HP..

your first progress is already reporting its not gonna say First Progress 1st Progress is them i have them and thats how they report no clue but *shrugs*

Re: CYBERONE28 REBUILDING PROCESS

cyberone28 — Fri, 03 May 2013 23:23:50 GMT

Your FICO® score has gone up to 539 on May 3, 2013.

5/3/2013

539

Score Watch® alert: Your score reached your target of 539.

More info

I WANT TO SEE THOSE GRATS!!! PEOPLE!! 1 point.. but is 1 more than yesterday!!

Re: CYBERONE28 REBUILDING PROCESS

dddewdrop — Sat, 04 May 2013 01:11:31 GMT

Congrats on everything. I would recommend against getting a secured loan. I was considering it for a long time and was approved for a credit builder loan w DCU. My research made me come to believe that it is too much work and risk and hassle to get a secured loan and pay it as a means of improving credit score because the models just don't weight these loans enough for it to be worth it. Better to just get another card and pay it on time. I would suggest paying down your first premiere and then cancelling the card as soon as you can get something better with no annual fee...If you are looking for a credit union, DCU is a good one. Good luck and congrats on your progress.