Almost complete

[creditbroke]

I pulled my wifes and my credit reports in Feb. ,her scores were 503 -508,mine were 600 - 620.

Her report had these:

Charge off HSBC 2008

LVNV settled account

Credit Union closed with lates due     X3*************Impossible to get reported as a single account, forced a total deletion

Credit Union LOC closed with lates due X2*************Same as above ,forced a total deletion through the Credit Union

Paid 48 month car loan -PIF   never late

Paid 48 month car loan -PIF   never late

12 months into a secured loan $1500 never late

Mine had these:

Embarq $64 collection*********CA nor OC could find acct. forced deletion

Online collections $260 -2005******PIF , had utility company fax them to remove me from their records,confirmed deletion underway

Child support $869 past due,showing as worst delinquency ever -never paid*******SAD THING IS IM CURRENT HERE

They had me as $15,000+ behind a year ago.I may need a lawyer to keep these people in line.

12 months into a secured loan $1500 never late

So in mid Feb. we added these:

New Millineum secured $ 500 limit*****$0 balance reporting

Cap one unsecured $500 limit*********not reporting yet $12 balance

Best buy $750 limit    ********************$16 balance reporting

I cant pull mine yet but Her TU Fico:

Your TransUnion FICO® score: 725

On March 20, 2010

If I can do it, anyone can!

[LIGHTNIN]

Wow....One month....With  a little knowledge and hard work,makes a difference.

Congrats to You!!!Keep up the good work!!

[fused]

Amazing!!!!!! Well over a 200 point gain in two months. A big congrats!!!!!!!!

[creditbroke]

Thanks for the comments fellas, I'm pretty proud of the results. The single thing we're waiting on now is Equifax to delete the 2 accounts for her Line of credit and the credit card entirely. The delete request had the opening date wrong so they couldn't delete till I had the credit union fax a new document,and also had the credit union lady call the business end of CSC-Equifax and work out the issues as we're dealing with a mortgage and have 0 minutes to spare.

They keep telling me within 24 hours but it's not getting done.

[MrChairman]

Seems to me that the CRA's only move fast when they're adding baddies to your report!

[creditbroke]

They finally deleted the inaccurate reportings. This has been a heck of a lot of work in areas thats mostly foreign to me, but thanks to all the threads/members on Myfico I managed to fake my way through it. A big THANK YOU !

Equifax:

757	3/22/2010	4/26/2010	View
588	3/20/2010	4/24/2010	View
588	3/18/2010	4/22/2010	View
562	3/16/2010	4/20/2010	View
568	3/15/2010	4/19/2010	View
521	3/11/2010	4/15/2010	View
513	2/25/2010	4/1/2010	View

[Anonymous]

Wow wow wow!

That is awesome! Less than a month from 513 to prime 757. That is great. Congratulations!!

[creditbroke]

Thanks Leah, the difference in her Fico TU. and EQ. reports is a year old secured loan. EQ. Isn't reporting it, the Credit Union apparently doesn't report to them. So its dragging her score down a little with TU.

Also Wells is pulling her scores this morning for a mortgage. I will update to give people an idea of what her Fico is vs. what the lender pull yields as an enhanced Fico mortgage score.

Your Equifax FICO® score: 757

On March 22, 2010

[creditbroke]

Ok, heres the mortgage score vs the Myfico score. Just pulled today, drum roll please!!

TU Myfico = 725   Lender pull =729

EQ Myfico =757    Lender pull=757

EX Fako   = 711   Lender pull=750

Pretty damn close everywhere but with the Fako.

[FSUGAPEACH78]

Awesome job!! Are you for hire by any chance???