topic Re: 80 points in 1 month in Rebuilding Your Credit

80 points in 1 month

Anonymous — Sat, 04 Feb 2017 09:10:02 GMT

Do I started with a470 in January.i had zero open accounts and 72 closed accounts across all three reports.im aiming for a 620 score so I can buy a house. I make 4000 monthly and around 40000 annually. I Hired Lexington law to do my disputes I applied for several cards and a car loan. I got a 11k auto loan with road loans . Was approved for the open sky card (no credit check) and the Citi secured card ( took forever to get approved). I also started the Fingerhut fresh start program with 235 dollars to begin. It's now February 4th almost exactly one month since I began to clean and rebuild. I checked my scores today and the open sky card has reported to EQ and ex and so has the car loan bringing those scores up to 545 and 553. The car loan reported to tu bringing that score to 523. Still waiting for Citi card to report . I'm just wondering is there anything else I can do to raise my scores more and quicker.

Re: 80 points in 1 month

MrsCHX — Sat, 04 Feb 2017 12:24:45 GMT

Time. It takes time. You could've done the dispute process yourself. Have you seen any results from them yet?

If not consider dropping LL and just working on cleaning up your file yourself.

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 12:28:01 GMT

Yes I've had 8 collections removed so far by them.

Re: 80 points in 1 month

MrsCHX — Sat, 04 Feb 2017 12:30:31 GMT

Ok so what all is left? Baddies in your report will hold you down til their gone.

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 12:33:11 GMT

$250 student loan, a 6k dollar repo charge off , and a bunch of medical charge offs

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 16:14:39 GMT

The fastest way is to get all the baddies removed. When my last baddie was deleted from my TU, my score went from 670 to 780 in 2 weeks. Just letting your reports age generally won't see results that fast. My scores have come up 200 pats since starting my rebuild but it's taken 18 months and, by far, the biggest jumps came when baddies were removed.

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 16:18:33 GMT

How did you remove them

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 17:41:05 GMT

There are a lot of ways discussed on the forum. Goodwill letter, disputing inaccuracies, pay for deletion requests, early exclusion requests from the CB's for accts that are close to aging off. Read everything you can find here and folllow the advice. There is a wealth of information. Everyone's results vary but it's worth it to try for sure.

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 23:03:54 GMT

I am not a huge fan of LexLaw I'm general
But has I always say, it's EASY to TELL someone that they can do this or that....

When truthfully maybe they Can't or Won't on their own.

I really think it's a WASTE of money to pay Jenny Craig or Weight Watchers but hey their in business for a reason....
I can TELL someone, you know that YOU can buy some .99cents lean crusines and replace a meal with a protein shake from the fitness place on your own, right?
Doesn't mean I've helped them and doesn't mean they're gonna help themselves by DOING the work!

Who really NEEDS a trainer telling them to run one more lap, lift one more rep, push yourself?

Lots of ppl COULD do 'it' whatever 'it' is....They just don't or won't
Don't feel they have the time, the willpower, will follow through or just won't follow through, won't take the time or Do the WORK...

Or worse, get many ppl will half-do stuff convinced that they've done 'it' EXACTLY like the next person who may be more experienced, more polished and just better at 'it' than them.

You can tell me, show me and give me every and all the best instructions known to mankind and mother will still out cook me😎

Again, not a fan of LexLaw or any of the dispute only shops but to say that ANYONE can just do the same thing with equal quality and results is going a bit far.

Whenever, we have a this side vs that side scenario in America....There is always gonna be circumstances where BEING better or more experienced may or may not come if value, the problem is we don't know before when it may matter particularly.

Example:
Police officer issues 10 DUIs this weekend, when the court cases come up, all based upon the same law, same courtroom, same officer

No Lawyer is gonna present any information or present any cases that anyone could not have done so for Free, themselves
The laws are the same for everybody, right?

The lawyer only read, what you could have read heck you may read it better than the lawyer
But perhaps his/hers experience in the court room, with this judge, with this officer, because of the volume of these types of cases all may contribute to him just being BETTER than you
AND 8 other lawyers that should up that day...

We shouldn't so quickly dismiss experience and or the willingness to dive in and be very good at what one's does.

H&R Block nor your accountant has never taken an deduction that YOU couldn't have taken yourself....
The tax code is the same for everybody, no CPA creates a deduction he/she just spins, re-spins and keeps at it longer or better than the next person or YOU, perhaps?

I am sure I probably 'could' get as good as my gardener or maybe my barber but I'm not going to because I'm not willing,I won't, I can't devote the time nor the attention nor the EFFORT to do so.

Depending on how important it is to get the credit and finances right ppl have to decide what their willing to DO

Credit may need real professional attention once or twice a lifetime, my hair and grass need care every two weeks I'll pay da money😎

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 23:12:36 GMT

@cam3150 May I ask what an early exclusion request consists of? I have a default judgement that is due to fall off in Nov. 2018, but I really need it going in the next few months. It was filed in Nov. 2011. Thanks in advance--this is my first post!

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 23:37:36 GMT

I believe early exclusion is six months early at the most. Someone please correct me if I am wrong.

Re: 80 points in 1 month

stargazer25 — Sat, 04 Feb 2017 23:39:31 GMT

@Anonymous wrote:
@Anonymous May I ask what an early exclusion request consists of? I have a default judgement that is due to fall off in Nov. 2018, but I really need it going in the next few months. It was filed in Nov. 2011. Thanks in advance--this is my first post!

Early exclusion is when you ask the CB's to remove a tradeline from your credt report early. Depending on the CRA it could be anywhere from 30 days to 6 months prior. Unfortunately it won't help you any it sounds like. Someone else can chime in if it is even possible for judgements.

Re: 80 points in 1 month

Anonymous — Sat, 04 Feb 2017 23:51:10 GMT

Thank you. I'm going to have to fine a way to deal with that one.

Re: 80 points in 1 month

MrsCHX — Sun, 05 Feb 2017 02:51:56 GMT

Doesn't hurt to call and ask. I had something scheduled to fall off June 2017 and as of yesterday, it has been removed from ALL 3 bureaus. Even EQ! lol!

Re: 80 points in 1 month

Anonymous — Sun, 05 Feb 2017 02:57:41 GMT

Is the judgement legit? Is it paid? It helps if you have proof of satisfaction but I haven't always had that, even on the ones that were paid.

Al three bureaus just in the last 30 days removed all four of my judgements, 2 which weren't set to fall off until 2021 so I say give it a shot. The worst they can say is no.

Each CB has their own online dispute method. While you're not really disputing the judgements if they are accurate that's the only way, at least online, to get the request in. I personally don't want to call and have do deal with the whole "we can't remove anything early" blah blah cycle so I've done all mine online.

I have gotten countless CO's removed and 12 judgements across 3 CB's removed this way, some way earlier than the fall the fall off date, some I had to ask a few times. I'm down to the last 3 old CO's and then I'll be 100% clear.

Try TU first and see what happens. No harm done if they won't remove it.

Re: 80 points in 1 month

Anonymous — Mon, 06 Feb 2017 20:11:07 GMT

That's great! Maybe I'll try...