I ended up only freezing my EQ report since it has taken the brunt of the inquiries.
Last night, on a whim, I applied for the Amazon store card and was approved for $1200. It's a GEMB card, so I hoping it will grow nicely.
So my EQ score is coming up, slowly. I was stuck at 641 for months. Now it is at 663.
I challenged First Premier's reporting of an old account. They showed that I made a payment, when in fact I did not. I downloaded several bank statements, redacted certain personal information and sent them a DD with the accompying documentation.
There were a few emails that went back and forth and they ultimately said that I inputed in the incorrect bank information for the payment, so I called BS on them, filed a complaint with the CFPB, who then referred it to someone else, I forget who exactly.
While looking over my daily pull from myprivacymatters.com (powered by TrueCredit, aka, TU), I noticed that I had fewer accounts with a derogatory history and started comparing that to an older report.
In short, the First Premier account is gone from all 3 reports. I call that a win and I'll take it.
I noticed that during my daily True Credit pull, the final CA dropped off my EXP report. I refreshed the score and it's up to 685 now. I also paid my balance on my NFCU card which was $4k ($18k limit) which should push me over 700 when it updates. /crossesfingers
I just wanted to say I'm on a journey to rebuild my credit & you're truly an inspiration. I will be pulling my report shortly, can you suggest any key points/1st steps for someone just starting out?
Paying off that $4k balance on my NFCU Siggy card hasn't netted the increase that I hoped it would. I haven't gained a single point from dropping my utilization from 20% to around 1-3%.
This is frustrating to say the least but I am hanging on and hoping for the best when the 1st of the month rolls around.
Got some early morning NFCU love. So far no hard pull for this.
On my 2nd NFCU CC, I started with a $1k CL. I haven't used the card at all since I have gotten it and flirted with the luv button last night and got the 3-5 day message after asking for $8k (total CL).
I just logged into my account and see that they bumped me to $5k. I'll take it.