I have a CLEAN report!!! I filed BK in July 2012, so that is gone. I had several medical collections...those are gone. AND I had one non-medical collection from TSI that I requested removal for AND IT'S GONE!!!
This is the first time, probably in my life, yall! My credit has been screwed up since my early 20s. I am so happy I could SCREAM. My scores are up, but still lower than they could be due to utilization, which I will have paid down significantly in the next 3-5 months. I could actually reach 800 since I have no adverse history reporting!!!
I could not even have the limits and bank accounts I do now without the knowledge I learned from folks here. Thank you all soooooo much!!!!
Congratulations!! 🎉
@ambivalent wrote:I have a CLEAN report!!! I filed BK in July 2012, so that is gone. I had several medical collections...those are gone. AND I had one non-medical collection from TSI that I requested removal for AND IT'S GONE!!!
This is the first time, probably in my life, yall! My credit has been screwed up since my early 20s. I am so happy I could SCREAM. My scores are up, but still lower than they could be due to utilization, which I will have paid down significantly in the next 3-5 months. I could actually reach 800 since I have no adverse history reporting!!!
I could not even have the limits and bank accounts I do now without the knowledge I learned from folks here. Thank you all soooooo much!!!!
Congratulations. Well done.
Thank you all! It's been such a long journey and I was so discouraged because TSI was adamant that they didn't do removals (which is consistent with what I read around the web) so when I got notice it was gone I was speechless.
I'm gardening for another month, then plan to take a personal loan to consolidate my remaining balances. I am hoping for a good score boost from that. I did notice though that my TU score, which has always been my highest, is now my lowest by about 20 points. I wonder what that's all about!
Congrats on the rebuild!!!! 
Congratulations🎉🎉🎉
