I joined Creditboard exactly a year ago this month. I had been trying to work on my credit for a few months before finding CB but without much success.

A little about my history. I became very ill a few years ago and was unable to work for 2 yrs. With 2 children and a only a small amount of child support as income I was forced to file BK13 to try and save my home from foreclosure. On the advice from my atty, I filed a 2nd BK13 to stop foreclsoure again. When my health just wasn't improving, I finally filed a BK7.

When I started my credit repair with CB, I had 3 BK's, a Foreclosure, many collections and 10-15 negative TL's on each report. I had 2 credit cards: Cap 1 for $300 and Orchard for $300. My scores ranged from low to mid 500's.

I started cleaning my report. I got all the BK's deleted from EQ, 2 BK's deleted from TU and none from EX. I've deleted all collections from all reports except 1 collection for $30 from EX which is marked "in dispute.". I've had my mortgage deleted completely off EQ and EX, it shows on TU but no mention of Foreclosure.

I've added 15 new TL's, my latest being a $5000 Visa approval from USAA. I also have $2000 Visa from Providian and $1500 Visa from State Farm. Other cards I've been approved for are MATCU(local CU), Target, Dillards, Walmart, Carecredit, Lowes, Patelco Vacation Loan, Local furniture acct and an automobile loan.

My Fico scores now range from 655 to 670 and are steadily climbing. I hope to reach 700 in the next few months. My plans are to get a Mtg in May so I will just let my accounts age for now.

I just want to thank CB for being so patient with me and giving me the knowledge to be able to repair my credit. I even once posted that I thought my credit was beyond repair with 3 BK's, but with the help of CB I've accomplished that feat.

To all those that are just beginning your credit repair journey, don't give up. There will be times when you will feel overwhelmed, take a break and come back later but don't give up. If my credit can be repaired, anyone can.

Again, thank you CB from the very bottom of my heart.

kewl!!!!!!!!!

Congrats! It's always good to read success stories.

CONGRATS TO YOU!!!

You should be so very proud of your success! It truly is amazing what the information found on these boards can do for you isn't it? Your the perfect example of what hard work, research and applying the knowledge that can be found here can result in.

Congratulations on an amazing journey and so much success...that is just fantastic!!!

Wow, that is a great success story. Congratulations!!

You have come a long way and now the sky is the limit. Congrats to you!!!

I FEEL GOOD(FOR YOU)
SO GOOD
SO GOOD
I HAVE YOU DA NA NAN ANA NA
JAMES BROWN "THE MAN"
HOOOOOORAYYYYYY!!!!!
NEED MORE SANGRIA!!!!!!!!!!

LOL, you're too funny. Thanks everyone for all the Congrats, I couldn't have done it without you all.

congrats!!!

You Go!!! Congrats!

Congrats! This is great motivation for others!

Wow!! Wonderful!! Congratulations, all your hard work paid off!!

How do you delete Bk off your credit report????

I disputed the BK's with the credit bureau, often they would come back verified but with incorrect dates so I would dispute that I had never filed a BK on that date and eventually got all 3 removed from EQ.

TU was another story, when I initially disputed my BK with them, they added another BK making me have 4 on my report. I went car shopping and the salesman told me I had 4 BK'S on my TU report, that infuriated me so I called TU and pitched a hissy fit and they deleted 2 of the BK's. I deleted an old address and the 3rd BK fell off without me having to dispute it. I still have 1 BK on TU because I had sent them my BK papers prior to finding Creditboards. I believe that if I had not sent them my BK papers, I could have gotten that BK deleted also.

EX has been totally uncooperative and will not delete any of my BK's.

Getting your address deleted that is tied to the BK helps with the dispute process.

Very good job!

I just came across your post and would like to say CONGRATULATIONS and THANK YOU for posting this! I really needed the encouragement today!

When I started my credit repair with CB, I had 3 BK's, a Foreclosure, many collections and 10-15 negative TL's on each report. I had 2 credit cards: Cap 1 for $300 and Orchard for $300. My scores ranged from low to mid 500's.

I started cleaning my report. I got all the BK's deleted from EQ, 2 BK's deleted from TU and none from EX. I've deleted all collections from all reports except 1 collection for $30 from EX which is marked "in dispute.". I've had my mortgage deleted completely off EQ and EX, it shows on TU but no mention of Foreclosure.



congrats to you success on cleaning up your credit report!
i had foreclosure too back in 2002, i wonder what did you do to delete the foreclosure on your account? you can't dispute as not mine, what are the other options? thanks

My mortgage with EQ was showing "past due" and I disputed I was not past due on this mtg and they deleted it.

When I disputed it on EX, it came back verified but an incorrect SS# showed up on my credit report. I called EX to dispute the incorrect SS# and they asked me if I had a mtg with ABC Company, I replied "not anymore" and the guy deleted my mtg which showed the foreclosure. I guess you could say I got a very lenient CSR with EX on that one.

Congrats Curious!! Can you give me the number you used to call EX?

wow! what a great story....how did you get the BK's off? I did get 1 off TransUnion, but alas, the other two CRA's came back "verified"...next year will mark 10 years; can hardly believe it and I know , hope, PRAY they will come off!!!! love to have them off NOW...

all the best, Hockey

i just used the number that was on my credit report at that time, it's been some months ago. Just call the number on your credit report and tell the automated system you want customer service, that's how I got thru to a CSR. Thanks for the congrats.

I explained in post #15 how I was able to get my BK's deleted. Since your BK's are almost 10 yrs old, I would dispute them as 'obsolete.'

Congratulations on your success. Can I ask how exactly you were able to dispute and have your bankruptcies removed? I would like to get mine removed, since it is now over 3 years old.

Congrats C!!!

congrats.

I don't have time to follow disputes and follow up them. Who is a reputable company I can hire to assist in my credit repair?

The only recommendation I can give you is right where you are now, Creditboards. I read and followed the advice given here and I was successful. No one can give your credit the personal attention it deserves better than you. Start slowly and do a few disputes at a time so you don't get overwhelmed. Read the Newbies section, ask questions and follow advice given. You can do it yourself.

congrats Curious! i know you worked hard, take a bow you deserve it!!!

Thank you so much.

Great success story. I would like to know what you did to get your BK's off.

Thanks. For an answer to your question, see post #15 in this thread where I answered that question.

Fanstastic!

We were wondering when you were going to post in this section.

The Beachfamily watched Curious post for a long time, tons of great info and followed Curious lead on many items, inwhich we were able to do successfully because of your info and knowledge you posted in many areas.

We are happy for ya!

Thank you so much. You all have made great stride also and I await your success story.

Believe it or not, we love to read others like yours first, it gives us hope that we will someday be able to post here. You have done so well, even today one of us usually checks your post for any new tips you post.

Hell of a job Curious, Hell of a job!

I have to add that I finally reached one of my goals, I made it to the 700 club on TU. I have also acquired approximately $50,000 in available credit. Again I would like to thank all of the wonderful people at CB that helped me along the way and the owners for having this great resource call Creditboards.

Credit record source: TransUnion
Your FICO score of 711 summarizes the information on your TransUnion credit report as of June 23, 2006.
FICO scores range between 300 and 850™.
Higher scores are considered better scores. That is, the higher your score, the more favorably lenders look upon you as a credit risk. Your score is slightly below the average score of U.S. consumers, though most lenders consider this a good score.

Plain and simple. You've shown the effort needed and the results gained from hard work and determination. Congrats on your 700+ score, I hope you continue through life with a lesson learned, and the effort to teach others.

Congrats!!, i just found this board a couple of weeks ago, and i love reading these sucess stories. My scores right now are in the 600 range, with a couple of judgements and some badies, which i will start to try to get off once i read a bit more and get some more confidence.

Thanks for the congrats. This board has a wealth of information. Read and apply what your learn. I know you will be successful.

I've reached my final goal, that of obtaining a mortgage. Today I closed on my beautiful brand new home. There is no way that I would have ever believed that this was possible after my foreclosure and 3 BK's but with the help of CB and grace of God, I did it. Again, thank you all so very, very much!

Congratulations on your success! It's gives me hope. I've just begun the process to clean up my credit in the last month. In reviewing my credit report I was amazed at the number of errors... of course there are some legitimate negatives there as well. I've just gotten the first two responses saying the companies are unable to verify accounts and are having them removed. I still have a long way to go but reading success stories let me know it's possible if I just keep at it. Thanks!!

Great Caesar's Ghost! Here I was worried about a few dings on my report and there's no way in my worst day I could match all the misery you went through and in one year you handled it all????

That's not a success story, that's a freakin' miracle! I will be studying this board from now on so I don't incur any debts and any I have or do get handled fast!

Congrats!

It does seem like a miracle, but that miracle was made possible with lots of hard work, the help of CB and the grace of God. So miracles do happen and they can happen to you too with the help of this great board.

Curious, you sure are a miracle lady! I'll bet the man upstairs is real proud too!

I'm just so blown away at your achievements all in one year with all that pressure!

You should write a book! I'd bet it'll be a best seller no doubt!

I have a lot of studying to do.

I'm on a good roll with building more business options that bring me in a good income. Sometimes I have to wait for 'the help' to get around to doing things and that's the most frustrating.

I work in the cartoon/comics/media arena and it can be brutal at times but I'm old down the road enough where I can sit at home and work.

How the heck you got bankruptcies removed is beyond me! I have one small judgement that is shakey at best and I don't like how they did it. That was put on my record in 2003 and the original last payment was in Jan. '98. I didn't know it was there and was never served. Any tips on how to remove it or any references on this board?

I just keep reading your success story and it just keeps me fired up to keep keeping on.

I've chatted with others on this board and listened to their horror stories. I feel blessed! I'm nowhere near as bad off as many people here so I have to make hay while the sun shines!

I remember years ago when I worked for AOL we had chat room forums and message boards for the Credit and Debt forum. It' was heartbreaking to read the stories those people posted there. I volunteered to help and even then it was a handful. This forum Credit Boards is outstanding! You've proven you can move from despair to controlling your destiny in one year and you had kids to tend to also???

You must come from Krypton cause that's some super doings for sure!

Thanks for all the kudos. Judgements are supposed to remain on your report 7 yrs from the filed date. If it has been more than 7 years since it was filed, dispute it as obsolete. You should post in the Credit forum about never being served and maybe someone with expertise in that area can help you out. Also if you try deleting the address to which the judgement is tied, it makes it easier to get a deletion.

this is amazing - I'm very encouraged by stories like that....

WOW! I'm so encourgaged to read your details Curious... truly! Thank you for continuing to post here and share your knowledge and experience. I value it!!!

WAY TO GO! Congrats!!!!!