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Guest Message by DevFuse

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A fairytale, once upon a time..........


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45 replies to this topic

#1 recruiting

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Posted 25 March 2005 - 09:51 PM

For anyone new here that thinks that all the work repairing your credit is "maybe" not worth all the time and effort, WELL HERE IS A NEW MOTIVATOR.

Who knows this may end up in the Success Stories area!

I joined Credit boards last Feb/2004. I had been denied for an auto loan from a dealer and got a LOAN SHARK loan from a small dealership, I had, had it and I needed to do something about whatever it was that was bringing me down in the credit world.

I had no Idea what I was doing when I started. YES I had attempted a few disputes over the years with the nasty 3, but never got anywhere. Heck I thought a "Credit Score" was the same as a FICO!

Upon joining CB I, like most other Noobs started asking questions w/o reading much (boooo) My one question was answered THEN I was directed to the Noob section where I READ AND READ AND READ, and then I lurked in the forums. After a bit I started pulling all three CR's and to my surprise there were TONS of errors! That fact along with my Chapt 7 BK was killing me!

Starting a new credit life: I removed all the old personal info as directed by the VET's here and the war with the CA and CRA's began!! Some baddies fell off in the first few months! I was charged! Then, I just kept up with Privacy Guard and many disputes and monitoring my credit files. which brings me to today.....

Then:Feb 2004
Chap 7 BK about 6.5 yrs old then
One CC "Orchard" CRAZY APR and $59.00 a year for the card its self (ewwwwww)
Hit Man/Loan shark auto loan 14%
Mortgage 10.5% interest
Many, many errors in personal info on all 3 reports
Numerous IIB (included in BK) accounts some still showing as a CO!!
about a billion Inquiries from loan apps
Government overpayment from the ARMY showing as a GOV DEBT KILLED ME! big time
Total lack of good credit knowledge or any credit knowledge at all!

One year later..March 2005
Chap 7 GONE off TWO CR!!!
TransUnion 100% clean FICO 720
Equifax 99% clean FICO 701 (two OLD 30 lates show)
Experian 89% clean FICO 688 (BK still showing & a unk CO AFNI!)
Mortgage 5.2 on refi Payments went WAY DOWN
Inquiries WAY DOWN only 2 on TU!!
Personal Info 95% fix with EX being the stick in the mud!!
Government OP GONE nothing showing
HOME EQUITY LINE OF CREDIT: 25,000 4.5% APR Woot!!
USAA auto loan REFINANCE 5% payments went way down!! I did not even ask they sent the pre approval for a $50,000 Auto Loan!!<--outstanding!
Now I am helping others here with my experiences and achievements!

:good: AND HERE IS THE REASON I WROTE "MY" STORY

PRIME CARDS AQUIRED IN THE LAST 2 WEEKS:
CHASE Cash Builder PLATINUM $8,000
Chase Travel Rewards PLATINUM TODAY!! $1,500 (TODAY!)
Patleco VISA PLATINUM $5,000 (TODAY!)
USAA PLATINUM $4000
PENTAGON FED CREDIT UNION MC PLATINUM TRAVEL REWARDS $8000 (TODAY)<--denied 1 month ago! BK was showing then!!
PROVIDIAN PLATINUM $3000 <--prime? has a good rate?
I think im missing one too???

My point is ITS ALL WORTH IT, the time, late nights writing letters, all the certified mail fees and so on!!! So I say loud and clear, hang in there and you too will be where I am and far beyond..

BEST OF LUCK TO ALL HERE!!!!! and I know your sick of hearing it but

:yahoo: THANKS CREDITBOARDS and all it's MEMBERS!!! :yahoo:



#2 Peekaboo

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Posted 25 March 2005 - 09:56 PM

And thank you, recruiting for sticking around to try and help the next guy. I haven't had much time the past few months, but I think it's important to share the load of newbie questions, we've all been there.

Great job!

#3 parrothead1

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Posted 25 March 2005 - 09:56 PM

You are my hero! One day I'll be right there with you.

CT

P.S. Parrotheads rule!

#4 Boofie400

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Posted 25 March 2005 - 09:56 PM

WAAAAYYY TO GOOOOO!! Very inspiring. Thanks for sharing!!

#5 JerseyBaby

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Posted 25 March 2005 - 10:02 PM

Congrats on your success.

Your story is an inspiration to everybody here.

:lol: :yahoo: B) :yahoo: :) :good:

#6 HawaiiArmyDude

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Posted 25 March 2005 - 10:22 PM

HOOOOOOOOOOOOOOOOOOOOAH!

#7 Nevar

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Posted 25 March 2005 - 10:23 PM

Very inspirational story. Thank you for sharing. :)

#8 idamae

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Posted 25 March 2005 - 10:24 PM

Congrats to you!!!

#9 recruiting

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Posted 25 March 2005 - 11:34 PM

:mellow: :P And I "ain't" done yet!!

#10 jowster

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Posted 26 March 2005 - 08:54 AM

recruiting - you DA MAN! WTG big guy! You gave me the motivation to get through one more frustrating day with this stuff... yesterday I was getting ready to sue TU but today I'm ready to hang in there and work through this. One year to credit glory is my goal now, and you showed it can happen! Thanks

#11 aescutie

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Posted 26 March 2005 - 09:48 AM

:clapping: WAY TO GO!!!!!!!

#12 Gingerly

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Posted 26 March 2005 - 11:42 AM

Congrats! ;)

P.S. When you get the PenFed travel card, would you please post the details from the fine print about how the miles program works? I've been dying to know the rules and how many points you need for what.

#13 rigirl

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Posted 27 March 2005 - 11:40 AM

Awesome story and truly inspirational to me!! Congrats on all the new money!!

#14 recruiting

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Posted 28 March 2005 - 04:08 AM

Thank you thank you, my shoe box will be filled with these new cards!! Transfering 99% of my store cards to a 0%APR card!! It's a fun process!!

To All, thanks for the kind words AND being sent to the SUCESS STORIES SECTION!! <taking a bow!!>

#15 ncacc1

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Posted 28 March 2005 - 10:46 AM

That is awesome! You will be getting some PM's from me. You have done a wonderful job! I hope to be right behind you some day!

#16 recruiting

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Posted 28 March 2005 - 04:44 PM

Jump on the train there is PLENTY of room. I looked at my approvals and still can't believe it..

BoA told me to fly a kite though, AND THATS MY BANK!!!!!!!! ROFL!

They pulled the dredded EXPERIAN..!

#17 RalphQ

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Posted 30 March 2005 - 01:42 PM

Congratulations.....I'm so jealous!!!!!

:)

#18 recruiting

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Posted 31 March 2005 - 03:20 AM

Thanks for the congrats!

You have been a member since May 04 and only ONE POST!!! You need to come more often, JOIN US and grow your credit success!!

Trust me It can be done!

AND YOU CAN DO IT!!!!!!

#19 RalphQ

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Posted 31 March 2005 - 07:39 PM

Thanks. I hadn't been that active looking in the website until a week ago. I promised myself that I was goint to work onmy credit and DWs as well. Let's see how it goes.

Thanks again for the encouragement.

#20 recruiting

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Posted 04 April 2005 - 11:15 PM

Well Ralph thanks for reading my story!!! Glad your back! :P

Edited by recruiting, 04 April 2005 - 11:16 PM.


#21 epj1906

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Posted 08 April 2005 - 11:40 PM

For anyone new here that thinks that all the work repairing your credit is "maybe" not worth all the time and effort, WELL HERE IS A NEW MOTIVATOR.

My point is ITS ALL WORTH IT, the time, late nights writing letters, all the certified mail fees and so on!!! So I say loud and clear, hang in there and you too will be where I am and far beyond..

BEST OF LUCK TO ALL HERE!!!!! and I know your sick of hearing it but

:beee: THANKS CREDITBOARDS and all it's MEMBERS!!! :rofl:

<{POST_SNAPBACK}>


Thanks for sharing your success. I too am a VET. I have an old Navy overpayment that is the lone blemish on my reports. I would be interested in what methods you used to clear yours up. I am a Newbie on the board and just now beginning to read all the posts and FAQ's.

Any info you can share with me would be highly appreciated.

Thanks

#22 recruiting

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Posted 10 April 2005 - 03:56 AM

Thanks for reading, PM me and i'll tell you what I did..Just to let you know I am paying... :angel:

#23 garciavega

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Posted 28 April 2005 - 07:25 PM

great story :D :swoon:

#24 recruiting

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Posted 01 May 2005 - 01:57 AM

:D Thanks for reading it.. I hope it shows it CAN be done!! :yu:

#25 shaz

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Posted 15 May 2005 - 07:38 PM

Wow, I'm inspired. I really need to get more active in this thing. I still pretty clueless. Hey can you answer a question for me? I checked two of my reports and I don't see an old credit card I maxed out when I was a freshman in college in '91. I never even made a payment! I wantted to contact them and pay it off but it doesn't show. I'm afraid that if I contact them and inquire about it my credit will be ruined. Is it because of the SOL? Is it gone and forgotten or will it pop up some day when I try to buy a house? What should I do?

Sorry for not making this a new topic but that feature is not available to me.




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