Inspiration to ALL...

[Anonymous]

If you don't mind me asking, what kind of things did you have to do to get your scores up by that much in 6 months.  I need the kind of increase that you've had.  I've been working at it for 2 months and all I've seen is a drop. I guess what I am asking is what kind of baddies did you get removed?

[Anonymous]

At first I never checked my scores. I received the scores in February through a counseling service. After that I started calling ALL the collection agencies and making little deals with them, I started with more than 10 collection accounts. I paid about 3-4. I then went online to get my reports and disputed EVERYTHING through that process. A lot of things fell off and some remained. Whatever remained I paid and it happened to fall off on its own. I also faxed and called the CRA's with any issues or disputes. Today I have 1 paid (once delinquent) credit card on all 3 and EX has a collection account from Comcast which is being removed. And one paid collection from Cavalry on TU and EX. EQ has NOOOO collections. I have 6 credit accounts and my utilization was about 95%. Today it is around 50% and I plan on getting that to 10%. You definitely have to have some revolving credit accounts, whether secured or unsecured.

[Anonymous]

Thanks for the reply.  I have 8 collection accounts.  2 are paid medical that I am doing the HIPAA process (started about 2 weeks ago).  Out of the 6 remaining, 5 are medical (unpaid).  I plan on paying those by October and starting the HIPAA process with those.  I hope I can see as much of an increase as you have.  I am keeping my fingers crossed.   

Congrats again on the hard work.  I am glad that it has paid off for you.