My scores were around 480 in December 2018 with late payments, collections, high balances due to not having a job for the whole year and me being irresponsible with credit in my previous years.
January 2019 was when my life has changed drastically. I got married and at the same time got a decent job and DH insisted on me that its time to bring my credit to bliss. He helped me pay down collections with PFD initially and then i was able to pay down all the CC balances to 0 with my Job income within few months. Scores bumped up to 630s with collections deleted (small $50 medical collection still left on equifax to which carter young wont budge to delete, but paid off) and CC Util down to 4%, and then they plateud due to 90 day and 60 day lates i have on my report.
I tried every possible way to goodwill those late payments (90 day with cap one and 60 day with credit one) it was always a no. In September i asked DH to write the letters for me since he has much better vocabulary, grammer, writes/speaks better english than me(we are immigrants) and is better at explaining things. So I sent the letters he wrote for me to the Cap one and Credit one addresses i was sending previously and wanted to try one last time and le behold both request were honored and reports updated yesterday
This forum has been my daily driver since i found it and without you guys this would not have been possible.
I really appreciate the inputs, DPs and guidance this forum and its members have given me and i will do my best to give back whatever and whenever i can.
Have lots on new accounts i picked up on my way here and so will be gardening for the next 6 to 8 months atleast.
Fantastic results - congrats! I believe this makes you MF member #55,664,733 to have his/her financial future turned around for the better thanks to this forum
Congratulations on your success and new scores @CreditMama91 ! Would you be willing to share an example of the letter DH wrote? I've sent Cap 1 numerous letters and have been turned down each time
AWESOME JOB! A great way to finish out the year and belated congrats on the marriage...Win-Win!
Congrats! It's a good feeling! Just know, once your derogatories are off, it's a slow climb. There's no more "fast score jump" hurdles and it's just aging, limits and util to keep low that inches things forward.