When i first started my scores were very low like 400's even most recently I was in 600's thanks to his forum i found about early exclusion and the ny purge law and now all my credit reports are clean of all negatives and nothing but positive history now i have 3 navy federal credit cards $5000 each 1 still secured 1 amex blue cash everyday with a $1000 limit a paypal credit card with a limit of $4,000 a navy fed secured loan and a self secured loan plus a $500 boa card hopefully I can get boa and amex to increase my limits after 6 months of letting these accounts age and I should be seeing another score increase in about a week due to loan balances being paid down significanly hopefully also may have a discover they requested a 4506t so i have to see how that turns out
@SantaclaustherealCongratulation, as NY resident, I plan on using the purge law within the next two years and be in the same boat as you.
