Yeah, I've got one but it took me getting 13 hard pulls on equifax, 10 on TU and 6 on Experian to get me here. Luckily, 5 on Equifax will be gone after Dec and by next March a few more. I know one falls off EQ and TU this month. Whew, its hard though. I had to get a friend to shred a citibank offer cause I didnt have the will power to do it. I just got another one from Discover over the weekend. I've not shredded it but waiting for my friend to come do it for me. Now thats bad!
My scores are pretty good on Transunion 720 via Walmart, Experian 739 via Credit One but on Equifax its 689 via Equifax Complete. Those hard pulls are the only differences in my reports so that has to be what is holding my Equifax score down. I dont have any prime cards yet, just rebuilders that served their purpose because I was able to close on a home last Jan which was my original goal. Now my goal is to get some prime cards and get rid of the rebuilders so when I get offers from Citi or Discover...its hard not to roll the dice but so far, so good. I'm hoping to have the will power to stay in the garden until my Equifax score is into the 700's even if it longer than next March.
Closed on home Jan 30, 2013. Yay!
Capital One (secured) $1000.00 | Capital One (former Orchard Bank) $500.00 | First Premier $500.00 | Credit One Bank $750.00 | Wal-Mart $3550.00 | Citi Thank You Preferred $6,800.00 | Discover It $4,800.00 | AMEX BCE $4,500.00
