GUESS on Possible Score Increase.......

[bruiseviolet]

---

Goal Score: 650+

Current Score: EQ 536 (08/31/11), TU 575 (08/24/11), EX 627 Lender Pulled (07/24/11)

Starting Score: EQ 414 (01/05/11), TU ???, EX ???

---

Seriously?  You started at 414 and are up to 536 in less than a year?  That is something you should be VERY proud of!!!!!  Wow what an encouragement.  I've been working on mine almost as long, as so far have only managed around a 15 point increase. LOL  AWESOME JOB!

[prolificjinx23]

Thanks!!! I've become obsessed with my credit!!! I read all the posts on this forum for advice & I can honestly say that I borderline harrass companies until I get results!!! LOL!!!

[bruiseviolet]

---

@prolificjinx23 wrote:

Thanks!!! I've become obsessed with my credit!!! I read all the posts on this forum for advice & I can honestly say that I borderline harrass companies until I get results!!! LOL!!!

---

That's great.  I am the same way.  I have a huge 3"+ binder JUST for tracking my credit report fixing.  LOL  I have copies of all 3 credit reports printed inside with dividers- and a spreadsheet where i write the accounts and what action i'm taking etc...  so I can track EVERYTHING.  I also stick in copies of the letters I've sent and responses etc.   It's helped so much- otherwise I don't know how I would be able to keep sense of this madness. LOL  I literally have 30 tradelines I'm working on.  YIKES!

[AndySoCal]

I wouild also remove yourself as an authorized user on the Wlamart and Continentla cards if possible. These will not help your credit utiilzation at all.

[Anonymous]

I like your spreadsheet OP

May I use it for my template to keep organize? 

[Anonymous]

This is amazing!

Congrats on all of your efforts. It is paying off!

And the spreadsheet is awesome!!

[prolificjinx23]

GEMB/ Chevron dropped of EQ this morning..... WooooooHooooooo!!!!!!! No alerts YET!!! 

I actually just paid the balance on the Walmart card down to $250 (Updates @ the 10th) & the Continental Finance to $200 (Updates @ the 19th).... I'll probably see a few points from that too!!!!

[Booner72]

---

@prolificjinx23 wrote:

Thanks!!! I've become obsessed with my credit!!! I read all the posts on this forum for advice & I can honestly say that I borderline harrass companies until I get results!!! LOL!!!

---

Ha - me too!  I'm totally obsessed w/ my credit.  I got the house, now I'm working on GW'ing the cussword out of the two local CA's that are listing my medical collections.  (all paid btw).  I don't even know what to do w/ myself now that I'm not house-freaked. 

[prolificjinx23]

WWWWWWWWWOOOOOOOOHHHHHHHHHHHHHOOOOOOOOOOO!!!!!!!!!!

I didn't see any alerts for GEMB/Chevron falling off yesterday so I became curious!!!! I gave in & bought my updated CR on here........... EQ up to 561!!!!!!! 

That's 25 points!!!!!!!!!! 36 points total in 3 days!!!!!!!!!! 

All that & I still have:

1. My 2nd to last collection that's being deleted due to PFD in a few days

2. Balances need to update 

3. 3 inquiries falling off in the next week or so.......

I should see the same kind of boost for EX & TU in the next week or so............ Happy Dance!!!!!! 

[prolificjinx23]

UH OHHHH!!!! I just got off the phone with EX trying to find out when GEMB/Chevron will fall off & they said it's actually showing as a positive tradeline & it's not scheduled to fall off until 09/2018????? What the heck?? 

They did process the removal of 2 inquiries due to fall off 09/02/11 & 09/10/11 since the usually take up to the following month to come off.... Pretty nice of them....