Rawhide's Success Story

[Rawhide]

Back in 2002, I was tired of constantly being turned down for prime cc's. I found another credit board (before creditboards.com) and got addicted to credit repair. At the time, I had two credit cards. One had a 2K limit, and the other had a $1250 limit.

 

I pulled my credit reports, and had a charge off and a couple of thirty day lates. I got my charge off supressed under New York state law that says paid charge offs can be removed. So, I paid the charge off, supressed the entry on my credit reports. Then I moved on to removing the 30 day lates. One came off with a dispute, the other (held by NCO)proved much harder, but I finally got it supressed.

 

Once all those entries were removed, my wife put me on as an AU on her 9 year old Sears card, and I was off to the races. Through a combination of CLI's and card combinations my credit cards now look like this:

 

Amex Platinum Charge

Amex Delta - 51K

Chase Continental World MC - 48.5K

MBNA Merrill+ Visa - 40K

 

Now, I dont apply for anymore cards, and only twice a month look at my credit reports. All reports are clean and free of inquiries. All three report scores are in the middle 700's

[CALady]

Great CLs, scores, and success story!!!

[Kona]

This is a truly outstanding example of the progress that can be made! Congratulations upon your success and your sharing of it!

[Rawhide]

Thanks ladies. I can still remember back when creditboards.com only had a post or two each day. Not that long ago.

Edited February 11, 2005 by Rawhide

[victory1]

I love your credit lines and also how you have only 4 cards. My goal is to have 5 credit cards all over $20,000 plus 2 store cards and 1 gas card. You're a great inspiration!!

[Rawhide]

I love your credit lines and also how you have only 4 cards.  My goal is to have 5 credit cards all over $20,000 plus 2 store cards and 1 gas card.  You're a great inspiration!!

<{POST_SNAPBACK}>

 

While there are many out here on the boards who like having many smaller lines, I prefer the ease of book keeping that comes with only having a few cards. I have also found that it is easier to get the larger CL's if you dont have a lot of smaller cards. Plus, I can carry all of them in my wallet!

Edited February 13, 2005 by Rawhide

[ickymoto]

"I pulled my credit reports, and had a charge off and a couple of thirty day lates. I got my charge off supressed under New York state law that says paid charge offs can be removed. So, I paid the charge off, supressed the entry on my credit reports. Then I moved on to removing the 30 day lates."

 

 

Rawhide:

Can you explain about how you got your charge off supressed? And which specific NYS law are you referring to? I am new to this site and I have been reading up on charge offs and finding out the proper way to have them removed from my credit reports.

 

thanks,

[spacecowboy]

"I pulled my credit reports, and had a charge off and a couple of thirty day lates. I got my charge off supressed under New York state law that says paid charge offs can be removed. So, I paid the charge off, supressed the entry on my credit reports. Then I moved on to removing the 30 day lates."

 

 

Rawhide:

Can you explain about how you got your charge off supressed? And which specific NYS law are you referring to? I am new to this site and I have been reading up on charge offs and finding out the proper way to have them removed from my credit reports.

 

thanks,

<{POST_SNAPBACK}>

 

Please post your request on the main Credit forum in a new thread (or a related, existing, thread) -- this subboard is intended for member success stories.

[shaz]

Truly impressive credit limits! I know I'm new to this whole credit thing but wow. I had no idea one could amass that much credit.

 

I'm new to this but I have a question for you. Does your income matter in the credit limit you receive or is it solely score driven? (This is assuming your score is over 700.)

[Rawhide]

Truly impressive credit limits! I know I'm new to this whole credit thing but wow. I had no idea one could amass that much credit.

 

I'm new to this but I have a question for you. Does your income matter in the credit limit you receive or is it solely score driven? (This is assuming your score is over 700.)

<{POST_SNAPBACK}>

 

Income plays into the equation with each individual creditor.

[Rawhide]

Update on card's to date:

 

Amex Blue 100K (Converted from Delta Amex)

Chase Continental 78.5K

Merrill+ still 40K (but will get my other 25K from BOA when consolidation is complete)

 

I did close out my Amex Platinum charge card because I quit travelling so much.

 

I have so far resisted doing more apps, just preferring my credit reports to age gracefully like fine wine.

[workNprogress]

Wow.. just wanted to say .... Wow...!!

[Amaysing1]

Wow...those are some HUGE CLs.

[A+Credit2005]

Wonderful story !!