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Hello all,
I've been reading this forum for quite a while now and I am so happy this forum exists because without it, I would probably still be struggling with credit.
I've decided to post my progress since I began my credit repair journey in Jan 2011.
In December of 2010, my last negative item was posted to my credit which was a repo. So in Jan 2011 this is what my report looked like:
TU: 505 vantage
EQ: 495 fico
EX: 554 plus
1 medical collection (ernst artsman and associates)
1 cable collection (enhanced recovery bought from cox communications)
1 credit card collection (first premier bank still owns)
1 credit card collecton company (rjm aquisitions bought from wells fargo.)
1 student loan (closed transfered salle mae)
1 student loan collection co (texas guarranteed bought from sallie mae)
1 repo (toyota motor)
0 open revolving credit cards, loans, or anything
____________________________________________________________________________-
I put down $200 in march of 2011 for capital one secured and was approoved so that was my first card. I added $125 a month later to make my credit limit $325 and Capital One added $100 unsecured to the card.
At this point I began disputing stuff on my credit as follows
1 Medical collection deleted after dispute
cable collection to enchanced recovery deleted after dispute
credit card collection deleted after PFD.
student loan collection (texas guaranteed rehabilitated my loand and a new lender bought it. Texas guaranteed deleted their trade line. Sallie mae remains
repo remains
first premier remains
in July 2011 I applied for Capital One Journey and was approved with $500 with the credit steps I got CLI to 750 in feb of 2012. it still there.
in october 2011 I app for macys and was approved for $200. its still at $200
in november 2011 I applied for orchard bank and was approved for $320 CL
by this time I had 6 good accounts in good standing:
Capital one secured
cap 1 journey
macys
orchard
student loan purchased by chase bank
secured loan by snap on tools
and the baddies were still
first premier card
sallie mae
toyota repo
my scores were:
TU: 620 vantage
EQ: 584 fico
EX: 634 plus
In july of 2012 I applied for barclays card and was approved for 1300.
In october 2012 I applied for Jared galeria of jewlery and was approved for $4000
in december 2012 app for fingerhut and was approved for $800
And this month in January 2013 I applied for Blue By American Express and was approved for 1000. Still waiting for the card. My socres are as follows
TU: 689 fico
EQ: 650 fico
EX: 686 plus ( maybe amex will tell me my fico when the card gets here)
So my credit profile is coming along.
Cap 1 Secured $425
Cap 1 Journey $750
Orchard Bank $320
Macys $200
Barclays $1300
Jared $4000
American express blue $1000
student loan
snap on loan.
(I need a mortgage to complete my profile )
and the baddies are still
First premier bank (falls off feb 2014)
sallie mae (falls off sep of this year)
toyota repo.
do you guys think I should dispute these items or let them be?
time to go get fertilizer for my garden :-)
please excuse my spelling !
Do you have basis for asserting a specific inaccuracy in their reporting?
Disputes that dont identify a specific inaccuracy can be dismissed as frivolous or irrelevant, will make your scoring incomplete until resolved, and might create a feeling of less than good-will should you subsequently pursue requests for their good-will deletion.