topic Re: 100pts in 30 days My Rebuilding Log in Rebuilding Your Credit

100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 04:22:45 GMT

I wanted to have my own thread to keep track of my Rebuilding journey. I have seen several Logs like this so here goes mine.

I pulled my scores for the first time at the end of Feb 2015 they were: EX- 474 TU-498 EQ- 480

Opened:

Fingerhut Fresh Start March 2015- $240

Capital One Secured March 2015- $200 (increased to $300 4/15)

Added as AU on Sears MC March 2015 - $5600

Sharefax CU secured April 2015- $500 (only reports to EQ)

U.S. Bank secured April 2015- $500 (Hasn't reported as of yet as of 4/28)

Baddies Deleted

Choice Recovery - $210 (Disputed and removed 3/2)

Choice Recovery- $250 (Disputed & removed 3/2)

IC Systems - $149 (Paid will delete on 5/10)

Global Control -$70 (Paid we be deleted on 4/30)

Senex Systems- $1042 (Early Exclusion TU 4/28)

Student Loan rehab

Rehab completed 2/25

Loans picked up by Fedloans 3/8

Paid as agreed same amt as in rehab

4 TL remain on EQ (as of 4/16)

0 TL remain on EX (as of 4/28)

5 TL remain on EQ ( as of 4/16)

Baddies still to be attacked

Choice Recovery- $404 (fall off 7/18)

Choice Recovery- $152 (fall off 8/18)

Crescent Bank Auto- $4886 ( fall off 5/19)

EOS CCA - $1146 (fall off 2/2018)

Senex Services- $1370 ( fall off 4/16 was disputed & verified)

Senex Services- $1042 ( fall off 6/2015 EU & EX called Ex denied EE 4/28)

Senex Services- $165 ( fall off 3/16)

Senex Services- $75 ( fall off 11/15)

Senex Services- $961 ( fall off 4/2016)

Account Receivables- $100 (fall off 7/18 cant find the CA or the OC)

Installment Loan

DT Credit- $441 paid as agreed no lates

My Current Scores as of 4/23-4/25/15 are

EX--588 TU--554 EQ--586 (myfico monitoring scores)

I am planning to attempt the Hippaa Process for the Medical debt in a few weeks

Trying to decide if i should get one more card that reports to all three Bureaus since my Credit union only reports to one

I am really really thankful for this Forum. I never would imagined 100pt increase in 2 scores in really about a month worth of work. Im definitely NOT close to being done.

My Goal is to one day qualify for a mortgage. I dont have a timeline for that to happen though.

Re: 100pts in 30 days My Rebuilding Log

Rebuilding69 — Wed, 29 Apr 2015 04:27:20 GMT

hmmm you got CLI on cap one card after 1 month? Did you call them?

Re: 100pts in 30 days My Rebuilding Log

lindel — Wed, 29 Apr 2015 04:28:18 GMT

Does you Fingerhut account report to all 3 credit agencys?

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 04:29:16 GMT

No sorry i added an extra 100 to my secure Limit i am not planning on asking for any CLI for Cap one for awhile i just was using it a lot and i needed more than 200 on there.

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 04:30:11 GMT

Yes my Fingerhut is on all three of my reports

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 04:38:37 GMT

CONGRATS

Re: 100pts in 30 days My Rebuilding Log

Imperfectfuture — Wed, 29 Apr 2015 05:53:38 GMT

No more cards. Started rebuild with one secured card. At least you are not with credit one. It took a year to climb up to 600 (started May 2013). You might want to consider a secured installment loan, google Alliant credit unions. I have one going for 4 years with my own CU, Alliant is better.

The double whammy of building credit while cleaning reports pays dividends. No more store cards, very important. You only need two or three lines, and if you aren't paying auto, student or mortgage loan, then an installment loan is good idea.

PS, I see you have student loans, presume they are reporting. I was successful in PFD collections, and backdating charity care (if single, and your income under 23k, you can qualify). If you study enough, don't write letters. Just start calling the OC's, and tell them your plight. I was successful in removing medical collections falling off in 2018 and 2019. As of Jan 1, 2015, my reports were all clean.

Note, ex clean first, so got Amex with score jump. Then got chase when eq clean in January. It's best to wait for prime time until the reports are clean.

Re: 100pts in 30 days My Rebuilding Log

Shann0n_marie — Wed, 29 Apr 2015 07:02:26 GMT

You have a very impressive rebuild ImperfectFuture... Can I ask why the no more store Cards? & at what fico did you get approved for your first prime card?

Re: 100pts in 30 days My Rebuilding Log

Imperfectfuture — Thu, 30 Apr 2015 10:38:14 GMT

@Shann0n_marie wrote:
You have a very impressive rebuild ImperfectFuture... Can I ask why the no more store Cards? & at what fico did you get approved for your first prime card?

I originally got a secured card through my credit union after watching the suze orman show. Then, I found the bankruptcy to 700 thread. They stated no store cards. Underwriters at the majors (especially Amex, Chase, BOA, US Bank) frown on store cards, this has been admitted to by an underwriter, and has been given as denial reasons for higher tiered cards.

My EX has gone down with the new accounts, but was probably around 760 at time of approval with Amex. The only cards I had was a defunct, but still reported as open, 200 les schwab account, my secured card (now unsecured and higher limit), and First National Bank Legacy Rebuilder. Cap One had not reported yet. So there were only two active cards reporting, and no installment loans yet.

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 08:01:10 GMT

Thanks for the info!!!!!
My student loans are rehabbed, I'm paying but the new TL for them haven't reported yet.
So I can just keep the 3 cards I have ok then that's good news. I was thinking of looking into the charity care for the medical accounts which are almost all of them. So I contact the Hospital directly for that correct?
I'm also going to look for that thread you mentioned.
I appreciate your feedback!

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 13:36:17 GMT

What is charity care? I have 3 or 4 medical coll with GLA, I am single and make 13k per yr, how do I use them to get it off my credit

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 14:57:04 GMT

Hello,

I'm trying to increase credit score by 100pts as well. How did you get things deleted? Do I have to hire somone?

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Wed, 29 Apr 2015 15:02:13 GMT

2 items I got deleted by dispute
2 items I called to pay the debt they agreed to delete
1 item I called TU for an early exclusion. They said they didn't do it. But I asked for a supervisor, who also said they didn't do it. So I just kept nicely asking if they do early exclusion for items due to fall off soon. He finally agreed to the item.
I also think being added as AU on that Sears card helped a LOT.

Re: 100pts in 30 days My Rebuilding Log

surferchris — Wed, 29 Apr 2015 16:12:37 GMT

Congrats on all of your progress!

Re: 100pts in 30 days My Rebuilding Log

gdale6 — Wed, 29 Apr 2015 18:26:04 GMT

@Anonymous wrote:
What is charity care? I have 3 or 4 medical coll with GLA, I am single and make 13k per yr, how do I use them to get it off my credit

You need to check with who holds your collections, typically hospitals to see if there is any charity assistance available to help with those bills, they would usually then recall the collection if you qualify for aide.

Re: 100pts in 30 days My Rebuilding Log

Imperfectfuture — Wed, 29 Apr 2015 23:55:13 GMT

@gdale6 wrote:
@Anonymous wrote:
What is charity care? I have 3 or 4 medical coll with GLA, I am single and make 13k per yr, how do I use them to get it off my credit
You need to check with who holds your collections, typically hospitals to see if there is any charity assistance available to help with those bills, they would usually then recall the collection if you qualify for aide.

Medical facilities, and the ancillary services (doctor bills, labs, ambulances). Due a google search on Charity care and your state. Call the original creditor, and keep going higher up until you reach someone that says you qualify. It's better if you know the laws in your state, so when they say no, you come back with "well, the statute says...., and the other hospital did....".

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Fri, 01 May 2015 17:53:39 GMT

Update... On 4/29 after over full month of trying to contact a creditor AND the collection agency with zero luck, I filed a dispute with transunion. Along with asking to remove old addresses and phone numbers. On 5/1 I received an email stating the TL would be removed and my old addresses were gone!!!

Re: 100pts in 30 days My Rebuilding Log

Anonymous — Fri, 05 Jun 2015 22:54:45 GMT

Update.....almost at 600 across the board I can smell it!!!!
As of today scores are:
598EQ 595TU 607EX
It feels good to see yellow in allllllll three circles. Bye bye POOR hello FAIR lol lol

Re: 100pts in 30 days My Rebuilding Log

bodybuilder510 — Fri, 05 Jun 2015 23:02:58 GMT

Keep up the great work!

Re: 100pts in 30 days My Rebuilding Log

lindel — Sat, 06 Jun 2015 16:29:35 GMT

Did IC Systems delete? If so, did you do a PFD/GW or did they just automatically delete once the bill was paid?