Praise Report regarding House and Credit
Posted 16 May 2012 - 08:12 AM
Transunion: 536 credit score 9 bad accounts
Equifax: 546 Credit Score 13 bad accounts
Experian: 491 credit score 16 bad accounts
Well after multiple lenders said that my wife would take at least 8 - 12 months to fix to even qualify after just 2 months on this board she has the following....
Transunion: 615 Credit Score 1 bad account
Equifax: 626 credit score 1 bad account
Experian: 620 credit score 4 bad accounts (2 are pending removal just waiting on experian to make the move)
Plus a pre qualification letter for our first home to be built. This is after 2 months everyone. This is just to encourage everyone to keep trying. I would stay up to all hours of the night researching this site asking questions searching for answers in older threads. I am still not gonna let up. I have just a few accounts left to get removed which im confident will be finished in the next 30 - 60 days. Thanks everyone!!!!
Posted 16 May 2012 - 08:27 AM
Posted 16 May 2012 - 08:35 AM
Posted 16 May 2012 - 02:19 PM
Posted 16 May 2012 - 02:23 PM
Posted 16 May 2012 - 08:14 PM
Posted 13 July 2012 - 10:03 AM
The house is coming along pretty good. The foundation is being poured today. I bought my wifes July scores and they are as follows from myfico
Equifax: 668 (53 Point Increase)
Transunion:660 (45 Point Increase)
These increases are up from the initial pre approval pull back in May
Experian I dont know what that score is but I only have 1 negative account that is 6 years old so I am just going to let it fall off in the next few months.
Posted 13 July 2012 - 10:21 AM
Posted 13 July 2012 - 06:48 PM
BTW, the ole "DV then dispute" is called the one-two punch.
Posted 23 July 2012 - 06:29 AM
@itrev82 Thank you so much taking action and being persistant pays off even though it is slow and tedious at first
@Breeze Thanks for all your responses to my questions as well as others it helped me alot in my journey. That one two punch combo is really effective
Posted 14 October 2012 - 11:24 PM
Posted 10 November 2012 - 09:16 AM
Posted 27 December 2012 - 11:43 PM
Posted 20 February 2013 - 07:10 AM
Posted 02 July 2013 - 10:45 AM
This really gives me hope. We are trying to buy a home within the end of the year to early spring of next year and need to increase our score almost 100 points. I was feeling like this slow process isn't going to allow us to do it in that time frame but man if you can pull that off in 2 months time surely I can do it in 6-8 months!!!! Thank you for inspiring and helping me hold out hope.
Posted 02 July 2013 - 06:19 PM
Wow!! That's an amazing turn around, especially for only being two months (I know it's been longer than that now, obviously). Your story is so inspiring and gives me hope.
Posted 11 July 2013 - 12:36 AM
@georgeb I see you last post was over a year ago but I still wanted to say...
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