Need 3 points to be part of the 700 club.

[eddymvp]

I just received a SW alert today that increased my score to 697. Six months from now my score were in the high 500s and Today i'm a really happy that I found this board without this board my score would still had been in high 500s.

[BungalowMo]

Bravo Eddymvp!!! That's awesome!  I hear ya about this board.  I always thought I had to just wait for the uglies to fall off with time...but then I found this place! 

Are your other 2 scores jumping up there too?? 

Congrats again!

[eddymvp]

Transution was 645 in May 6th and one account had the wrong balance and credit limit. so I should get an increase once that update and Experian  was 635 as May 15. Before receiving this 40+ points alert my EQ was 657. By the end of june I should be in the 700 when I pay 2 credit cards in full. 

[ladyvg270]

Hi!

I am having a hard time here how did you get your score up so high, i am at 514, and this is what i have on my credit

Asset Acceptance LLc                  BAl 614 collection

CCS/First National Bank               Bal  $502 transfered, closed/ Account charged off 384.00 written off

CMRE Financial Svcs Inc             Bal  $205  doctor's bill

Credit One Bank                           Bal O Paid charged off

FMS Inc                                         Bal $370  collection account

LJ Ross and Associates               Bal $972 doctors bill collection account

Midland credit Mgmt                      Bal447 collection

Money recovery nationwid             Bal 259 doctors bill

Norfolk Financial                           Bal 513.00 Im on a payment plan as of May 30th for $20 a month

Swiss Colony Inc                         Bal 0 Paid, closed/Account charged off

T-mobile                                       Bal $380 collection

Judgement                                    Bal     1,504

[eddymvp]

I followed this board advice. I corrected a few errors that were on my report. Sent a few good will later and the most I lowered my credit usage from 89% to 7%, that made a huge impact on my report.

[BungalowMo]

Hey lady....well, I'll admit, you do have a bit of work to do there.

A few questions first:  Do you have all 3 reports?  If not, get them.  You can get 1 of each for free once per year through https://www.annualcreditreport.com/cra/index.jsp (in case you didn't know)

Take a look & find out the DOFD for each acct.  I'd start work on the ones with the most recent delinq. (or work on the ones with the lowest balance) and see if you can get on a payment plan & ask for a PFD.  Or maybe see if they will keep the acct on the report, but remove ALL negative comments within.

I won't say "never", but it's unlikely any of them will remove acct or any neg's while you owe them $$. 

Just remember, you didn't get all those neg's overnight & you won't get rid of them quickly either.  Give them a little $$ each month & work with them...tell them you really DO want to give them all the money you owe...

Whatever you do...don't give up!  4 years ago I was sitting in just about the same boat.  Today I'm sitting in MY house!  Anything is possible with patience, determination & a little time...

Good luck!

[demo18c]

i got my util below 10 percent. sent gw to a collection which was removed. a month ago i was 613. 5 mins ago i was at 702!!!!! almost fainted

[ladyvg270]

I have a habit of applying for credit knowing im going to get denyed what should i do, because this is hurting my credit right?

[BungalowMo]

---

ladyvg270 wrote:

I have a habit of applying for credit knowing im going to get denyed what should i do, because this is hurting my credit right?

---

Stop...NOW!  Between all those inq's & your overdue balances & collections...right, no one is going to give you a cc. 

If you really want to clean up your report, you're going to have to do a 180 & totally change the way you handle your money and your creditors.

That's all I, personally, am going to say on it here, as I don't want to hijack the thread & the OP's great news.

Start a new post & several folks here, myself included, will be more than happy to help you along.

GL