Soulmaster's Plan - It Works! It Works! It Works!

[TRC_WA]

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@0REDSOX7 wrote:


My advice to others is the key is not focusing on the scores right away. Focus on the bigger picture that in two years (or less), I'll be over 700...

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Good advice... I'm 16 months into my rebuild and am expecting my weakest link (TU) to catch up to EQ and EX at the end of the year once the INQ's associated with all these new accounts I opened last year reach 1+ year old.

For some reason all my creditors pull TU...  years ago when I lived on the east coast they all pulled EQ.

[0REDSOX7]

I'm with ya! I'm on the east coast and TU is my best because of hardly any inquiries.

Equifax is my worst - all the inquiries on there from prior BK.

[0REDSOX7]

Oh, and the credit union giving all this love is Allegacy Federal.

[0REDSOX7]

And I got a 300 CLI from credit one today. Woot woot.

[Anonymous]

Awesome!

Thanks so much for this post. My dh and I are just starting the process but it's SO nice to hear that people are having good results. We were initially VERY stressed out about the idea of bk. But, honestly after reading these boards for the last month or so and meeting with our attorney. We feel more hopeful than we have in years

[cirrus00]

@0redsox7...the other day I posted on the credit card approval board that I finally received capital one love! I wanted to let you know since we were both posting about being auto declined. I only got a 500 CL but I'm happy with that!

[Imperfectfuture]

I didn't file bankruptcy, but started following the plan anyway (started 6 months ago when approved for first national legacy, they better than credit one, after six months, upped limit to $1250).

I was following the sage suze orman advice with a secured card, but will unsecured in nov when transunion clean. Even with the baddies on there, I was considered judgement proof, so attys recommended not filing.

Followed the plan with some off shoots. Since I had secured card, wouldn't start secured loan until secured card off my book. BUT, secured loans only run 2.2%, vs 11% cheapest with my credit union for unsecured. They SAY they report them as regular installment, shall see. I've developed a brokerage account, and can get 3 to 6% on the money (plus the interest on the secured funds) while waiting to pay off the loan.

When the baddies fall off, should see a bump in scores. Then have to set sites on the 800 club.

[Anonymous]

Hello where would I file the SoulMasters plan?

[Anonymous]

Congrats! Keep up the good work!

[Scupra]

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@Anonymous wrote:
Hello where would I file the SoulMasters plan?

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http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/m-p/1384075#U1384075