Just wanted to share, I've done some disputes and won so my score went up 22 pts in less than 1 month.
Still in the toilet though, lost my job in 2008 and all of my accounts went into chargeoff status...
Just paid off the balance on 3 of my small CC's and had a CLI with Fingerhut (new limit $900) so my score should increase a little once that updates...
10/18 EQ - 492 (Real Fico)
11/8 EQ - 514 (Real Fico)
Give it 6 months on this site and your will be over 600 mark it down..... when you are trying to pay off balances dont settle try a PFD (pay for deletion) dont pay anything until you it in writing first, and lastly try to open a secured card to build history with your fingerhut.......no matter what your see here cap1 is the best option for rebuilders...STAY AWAY from first premier, matrix discover, credit one, and any other low life predatory lender....
Thanks everyone, score went up again after a reclassification of a few disputed accounts. Now 525.
33 pts in less than 4 weeks!!!
You'll be 700 by this time next year. Just keep the baddies away and util% around 10
I won a few more disputes, score is now 560!!!, thats 68 pts in about 5 weeks..... About to pay a few of the open collections off over the next 3 months, that should bump me into the 600's.