topic Re: update in Rebuilding Your Credit

update

Anonymous — Sun, 11 Aug 2013 15:56:56 GMT

Its been a while since I posted, but here are the new scores as of today.... ex 657 tu98 662 tu08 676 eq 681.

eq up 40 points since 2012

tu98 up 12 points

tu08 up 44 points since 8-2012

ex according to fakos up 10

Re: update

Anonymous — Sun, 11 Aug 2013 18:04:26 GMT

Nice work! What did your report(s) look like before you started and what have you been working on?

Congrats!

Anonymous — Sun, 11 Aug 2013 18:05:16 GMT

Double post... Oops

Re: update

Anonymous — Mon, 12 Aug 2013 01:16:56 GMT

I had about 5 items deleted after inital disputes. Then I had 5 left, 3 aged off and I am left with one on eq and 2 on tu and ex. I started with no avail credit. In Nov. Jefferson capital offered me an emblem card to pay off the debt. it has 175 CL. then in dec, I got notification from one of the vendors at the company I work for that I could not work for them and originally I thought it was because of my credit. I found out later I was given one date to take a drug test by and they sent out the letter about 3 days before that date. That was the start of my journey to repair my credit. Today almost 2 years later I have a used car I purchased at an outrageous interest rate that I really should refi,

2000 lowes (gave 300 online called for increase)

2000 home dept (gave 500 called for increase)

2000 sams

1500 walmart (sams is less than one year started at 600 walmart is from Jan 2012 and only at 1500)

1500 paypal

1500 amazon

1500 jcp

450 old navy

750 cap one

400 cap one (old orchard)

1000 shop nbc

900 christopher banks

500 express

300 brylane home

250 ann taylor

350 victoria's secret

300 macys

600 dillards (gave 300 online called for increase)

600 toysrus

700 phillips 66

550 chevron

400 marathon

250 kingsize

200 linen source

250 jessica london

250 one stop

500 roamans

250 woman within

Amex gold npsl

I regret opening most of the comenity cards but none of the others. Old navy and chevron took me a yr to get cli, sams surpassed walmart in 8 months. Amazon wont give me a cli but every 6 months. So probably the comenity cards that I wont use I will let them close for non use unless I need to close them ealier. By April of 2014 my reports will be clean

Re: update

myjourney — Mon, 12 Aug 2013 01:21:42 GMT

@Anonymous wrote:
I had about 5 items deleted after inital disputes. Then I had 5 left, 3 aged off and I am left with one on eq and 2 on tu and ex. I started with no avail credit. In Nov. Jefferson capital offered me an emblem card to pay off the debt. it has 175 CL. then in dec, I got notification from one of the vendors at the company I work for that I could not work for them and originally I thought it was because of my credit. I found out later I was given one date to take a drug test by and they sent out the letter about 3 days before that date. That was the start of my journey to repair my credit. Today almost 2 years later I have a used car I purchased at an outrageous interest rate that I really should refi,
2000 lowes (gave 300 online called for increase)
2000 home dept (gave 500 called for increase)
2000 sams
1500 walmart (sams is less than one year started at 600 walmart is from Jan 2012 and only at 1500)
1500 paypal
1500 amazon
1500 jcp
450 old navy
750 cap one
400 cap one (old orchard)
1000 shop nbc
900 christopher banks
500 express
300 brylane home
250 ann taylor
350 victoria's secret
300 macys
600 dillards (gave 300 online called for increase)
600 toysrus
700 phillips 66
550 chevron
400 marathon
250 kingsize
200 linen source
250 jessica london
250 one stop
500 roamans
250 woman within
Amex gold npsl

I regret opening most of the comenity cards but none of the others. Old navy and chevron took me a yr to get cli, sams surpassed walmart in 8 months. Amazon wont give me a cli but every 6 months. So probably the comenity cards that I wont use I will let them close for non use unless I need to close them ealier. By April of 2014 my reports will be clean

Congrats

You have a lot of store cards if you aren't using them close them. Do you shop at all those stores?

Have you called GE credit solutions for an Walmart CLI?

Re: update

Anonymous — Mon, 12 Aug 2013 01:54:59 GMT

credit solutions never works for me. I never got a cli from them. I just got a 150 cli from them. The low limit cards 250 and under are the ones I am going to cancel. the gas cards, I use for travel. Marathon card when I am in TN cause they dont have chevrons and the phillips 66 will be able to be used while traveling back and forth also.

I will keep the ann taylor card even though its 250 as we have stores here. Christopher banks I will keep as they have been ok with cli even though they dont have a store in Houston but they do in TN. The express card I use. the 500 roamans card I probably wont use, but its one of the lower mid limits. I just place an order with brylane homes and may keep that one.

So basicallyif its 250 and under its getting the ax here fairly soon.

Re: update

myjourney — Mon, 12 Aug 2013 02:08:38 GMT

@Anonymous wrote:
credit solutions never works for me. I never got a cli from them. I just got a 150 cli from them. The low limit cards 250 and under are the ones I am going to cancel. the gas cards, I use for travel. Marathon card when I am in TN cause they dont have chevrons and the phillips 66 will be able to be used while traveling back and forth also.

I will keep the ann taylor card even though its 250 as we have stores here. Christopher banks I will keep as they have been ok with cli even though they dont have a store in Houston but they do in TN. The express card I use. the 500 roamans card I probably wont use, but its one of the lower mid limits. I just place an order with brylane homes and may keep that one.

So basicallyif its 250 and under its getting the ax here fairly soon.

Try GE every 4 months for best results .....good luck and keep up the good work

Re: update

Shogun — Mon, 12 Aug 2013 04:16:55 GMT

Good grief... looked like a shopping list! But congrats... You've done a great job!