Madmann26's rebuild thread

[shondra0609]

Does it allow you to see all 3 reports or just scores?

[madmann26]

All reports every 24 hours. The scores are FAKO and not a true FICO score.

[madmann26]

I paid down the balance on my Siggy from 3.7k to 1.3k. Net gain is 5 points on EQ.

Up to 690 on EQ after the alert this morning.

I should get a nice bump when the 0 balance reports on my Firestone card. It was over 50% util by itself.

[madmann26]

TU is up to 696. Below is a graph of 11 months of score changes from the Walmart pulls.

[madmann26]

Well,

Another update.

Sometime in the last few weeks, my CFNA backed Firestone card went from $1k to $2.2k. No hard pull. I'll take it.

[iyoulow]

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@madmann26 wrote:

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@Whitneyy wrote:

LOVE THIS JOURNAL!

I would like to know what credit reporting tool are you using that updates your scores/report daily?

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http://www.eliminateidtheft.com

It allows you to do a daily pull of all three bureaus every 24 hours. The scores are FAKO and I don't hold much merit in them. It uses myprivacymatters.com which is powered by TrueCredit (a TU service).

When you sign-up, it'll take a few days and then you'll get an email to go register via myprivacymatters.com with a temp password. They also have an alerting service that's included.

It's $12.95/mth.

A suggestion after using this service almost a year now, do your daily pull after 7a. Countless times I've wasted a daily pull because I pulled to early in the AM.

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Are you happy with the service? I currently use the service offered by USAA but I only get my reports and scores once a month. This seems like a good deal to get mine and the spouses reports and scores for $17.95/month.

[madmann26]

Scores are pretty stagnant with hanging around 690 for all 3.

I finally was able to get a CLI on my Amazon card. It's up to $2.1k now.

[Shogun]

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@madmann26 wrote:

Scores are pretty stagnant with hanging around 690 for all 3.

I finally was able to get a CLI on my Amazon card. It's up to $2.1k now.

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Shows you're doing things right!

[madmann26]

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@Shogun wrote:

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@madmann26 wrote:

Scores are pretty stagnant with hanging around 690 for all 3.

I finally was able to get a CLI on my Amazon card. It's up to $2.1k now.

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Shows you're doing things right!

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Indeed sir.

Now if I could just get some Lowe's love. lol.

[madmann26]

I looked at my WM Discover card to see my if May FICO had been updated. I'd never guess in a million years, I'd see this. It's not been quite 2 years in the making. I started rebuilding at the end of August 2012.