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My sucess story
Posted 28 November 2006 - 02:01 PM
Posted 04 February 2007 - 07:53 PM
i started with lousy credit 2 years ago, when i bought a new car i was paying close to 20% interestwhich by the way i refinanced after 6 months being on here at 6% interest. Now my credit is considered excellent (FICO's are lowest 775 and highest 794 ,although i want to hit 800, lol) i have over $ 100,000.00 in available credit and i PIF each month, the only thing i buy and don't pay in full is big ticket items, furniture, etc. which i buy with a 0% interest card or transfer to a 0% card.
The main thing i have learned on this board is the majority of people screw their credit up at some point in their life, but you learn from it. i have busted my butt to fix my credit and now that i have good credit i will never screw it up, nor will i have to pay sky high interest rates to have a credit card (unless it is totally something beyond my control).
This board has been a godsend to me and i from the bottom of my heart thank each and everyone who has helped me along the way (whether it be, answering my questions or from what i have read in the newbie section, credit forum)
It doesn't happen overnight but it can be done. Good Luck!
Posted 13 June 2007 - 06:37 PM
Posted 20 June 2007 - 06:15 PM
I'm a definite newbie. I am so happy that I found this board it has really been a life saver for me in just the few weeks that I have been a member. I have been reading these boards every single day and I am happy to say that I have experienced some positive results.
The first success I had came from Sallie Mae I had multiple student loans through them and I just recently consolidated all my loans with them but all of the other loans were still showing and some of them had deliquent payments, so I wrote them a letter and told them that I was trying to save for a house and get my credit together and I asked them if they would remove all the loans that had any negative reports and they responded within a week and told me that my request had been granted and to follow up with the credit agencies in about 5 weeks to make sure they updated my file.
Also too what I have been doing is keeping track of credit cards that I apply for financed by the same bank. Case in point I applied for Staples from my business and was approved for $750 and then I applied at Office Depot and was denied so I wrote them (Citibank) a letter asking them how they could approve me for Staples and then deny me for Office Depot, well just the other day I received an Office Depot card. The credit limit is only $250 but the point is had I just accepted the denial I would of had nothing.
Every card that I have been denied for I've written them a letter asking why and what I could do immediately so that I could be approved.
I am just loving all the information that I have found out by reading this site. Way to go Site Administrator!!!!
Posted 28 July 2011 - 02:24 PM
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