Who says hard work, determination and credit repair don't work?
WELL....
Today, after spending most of the night reading da boards, making notes, re reading PM's, and trying to help others as much as I can, I decided something at 6 am this morning. I had nothing to lose....
After 25 deletions of errors, after laying all over my mortgage company to do their job in reporting correctly for 3 weeks and being turned down by Orchard Bank,( now that is bad ) I decided to go for it.
Armed with stacks of folders of nearly a month and one half of credit repairing, copies of letters, copies of EX-TU-EQ papers, my earnings, letters from my mortgage co who says it is correct, then turned around and sent me a fax of the history to show me they have made 18 of 24 months in reporting mistakes.
I walked right into a local bank today and layed it all out.
Story line by story line, reasons, back up with paperwork, showed were I was 45 days ago to today, proved beyond any doubt that 25 errors gone, and 18 of 24 mistakes by mortgage lender, I was able to convince a loan officer that my score FICO was a fake, it was a fraudulent scoring attempt my other lenders, CAs, OC's and CRAS to hurt my chances of getting anything decent in loans.
In showing in details like you would in a court room, I loaded each mistake by mistake down on paper, with a trail that showed this officer that the CRA's are not up to snuff, that lenders are not doing there job and that only 1 item out of 40 is rightfully mine and it WAS MY fault, I was told this...
" anyone who has spent this much time and this much effort in repairing wrongs and making them rights deserves a shot, with your proof at hand, I firmly believe your purpose was to only get things right, but also just as important is the fact you honesty told me from the start, I do have one bad item that is mine, and the fact that you actually read scripts of the FCRA, case laws of mis conduct and the fact that you are ready to sue NCO for 8,000.00, tells me your are damn serious and with that in mind, I too feel the system has failed you.
The system that is in place to be 100% accurate has caused you more harm than I have seen in 25 years of lending. So,
"WHAT CAN I DO FOR YOU TODAY ???"
I about fell to the floor, with FICOS are 494, who in the world would have ever thought...... With only 3 TL's to my name.....
I went into my mode of facts again, I need a better car, I need to pay off that one problem and I need to add more trade lines to my report so I can re fi my home.
Miracles do happen folks, there really are honest lenders who see things other than that FAKE FRAUD score we are having used agaisnt us...
I walked out with a piece of paper so I can get a 14,000 +- car loan at 14.9, a small credit card limit of 500, and 1000 cash personal note and 3 brand new trade lines.
Thanks to CB, mircles do happen and hard work, determination and GEORGE's kick ass attitude that I adopted in my credit repair, I went for it, and it paid off.
I still have work to do yet, but who would ever think a 494 FICO ( I call it now FICO FAKE scores )that I would be able do get a thing let alone all this.
Now, how can I sit here without people who personally help me get this far, and I am not stopping here folks..... These people were like a backbone, always always ready to help with little or big questions. I am so so so so happy to have ever met these wonderful people it makes me really believe in what I have said. Im sure I will forget someone. But heres my list of people who I would love to say thank you for your time, thank you for your help, thank you for your always kind words, thank you for your generous offering of help.
WHYCHAT, PRYAN, CARGOJON, STUPIDCREDIT, CLOAK&DAGGER, BREEZE, GEORGE, RADI8,
SPACECOWBOY, and many, many others who pm'd me allot of info and help.
Along with posters who I have read and learned from, many of you who dont even know even your littlest post sometimes helps others by just the info you give and your opinions.
I AM SO FREAKIN HAPPY TONIGHT....
IT HAS WORKED FOR ME... AND I WILL TAKE CARE OF MY CHANCES AND WILL CONTINUE TO BE ALL OVER THE BOARDS TO HELP OTHERS IN ANY WAY I CAN.
