Last year i started vigourously trying to repair my credit (wife as well), well on my wifes CR shes down to 2 baddies.
As of now she has a 178.00 ginnys acct that was c/o in 2010 and a first premier 481.00 c/o from 2008 and a PR due to fall off 4/2015. a year ago she had about 10 baddies.
Last year we could not obtain any credit 300.00 CL would have been a miracle. Now she has a 1500 nfcu gorewards opened in 4/2014 and $5500.00 capital one opened in 5/2014 fingerhut increased from 130.00 to 1200.00 all inabout 9 months.
I still have work a lil work to do, ive obtained a 15k auto loan, 6k nrewards, and 300.00 capital one. Anthor cap 1 card i had was increased from 300 to 750.00.
All thanks to this board/forum i will post a journal after my 1 year is offical in oct. if you have medical judgements id suggest using the hippa process. I had items on my CR that the hospital never even billed my insurance so that was a manuever that worked out in my favor. I had a billfloat acct that was paid and billfloat removed it iff my acct. a lot of lil things. Im just hung over first premier i emailed and mailed them theybwont budge. They rather open a new acct for my wife With mynokd acct withstanding.
Starting Score: TU 573 Exp 523 Lender Pull, Eq 583