I've been a member here for a 2-3 years with fico's starting in the low 600's with a couple of lates - 3 collection accounts and a very thin credit report. I' ve been slowly chugging away at it here and there. Disputed addy's , got a couple of paid collections off, the lates gradually fell off , asked for CL increases Opened a couple variety accounts and paid down utilitization to near zero.

http://creditboards.com/forums/index.php?s...c=23487&hl=

I pulled My new fico's after my last paid baddie fell of last month-- (the one local CA that just wouldn't budge ( the abreviated version - Paid $76.00 Dental collection - went to new dentist due to new insurance-was in the chair with my mouth open during the exam and the REALLY cute assistant that i had flirted with comes back in and says my previous dentist won't release records/ xrays due to "Long overdue account"?? Could my mouth hang open any farther ??I mean it 's paid - I 've the the receipt that it's PAID and it's showing on my reports PAID!!!. Well I slunk out of there after stating it's a mistake and getting the yea sure routine. Went the next day with all my ammo to the original Dentist, walked in politely and asked about this account - receptionist pulls up my account say's it's outstanding - at which point I let my unhappyness be known. Now I'm not one to make a scene but i had really wished that there were people in the lobby to hear this. The excuse was that they had changed to a new computer system and that's what it said. So I made them apologise and call my new dentist to explain tier error , forward my records and they said they would pull the account from my last remaining report. WHICH NEVER HAPPENED - I was so FED up I gave up and let it fall off naturally. Ok so it wasn't that abreviated)

MY NEW FICO's EQUIFAX 801 !!! EXPERIAN 812!!!!

So my current status
1paid Auto loan
MBNA Plat 10,000 CL PIF 2 yr hx
Wells fargo gold 8000 CL PIF 16 yr hx
Credit union visa 2300CL 10% util 4 yr hx
Chevron 2000CL PIF 2? yr hx
Signature loan 2000 $700 left 6 mo old
Check overdraft 300 0 util 4 yr hx now i'm thinking i should apply for something but content with what i have - i should probable get another bank card or 2 for back up and a store card or 2 for fico mix purposes, don't think i want an AMEX. Thanks CB!!!!!!!!!!!!

Just adding a little more- I want to get good offers and not worried about anything popping up that I can think of- i want low fixed apr's my credit union is best at 7.9%-- wells fargo and MBNA are variable at about 12% right now --- should I opt back in?? if so anyone know how to do that off the top of the head- i'll try the nifty search function I want to be able to pay online too -thinking of


Citibank
B of A
another Gas Card
Home depot

other opinions??

Awesome!!!! congrats! I'd love to see those scores myself someday

That is very impressive. Thank you for sharing it with the rest of us that are working on it!!!

Fantastic! You done good!

That is completely awesome! Huge congrats on all of you're success.

Those are awesome scores! Major congrats to you.

HELLO! I hope I am posting this in the right area. I have been a CreditBoards Member for almost 6 months. In that time I have ALOT of negs on my credit file. I have had so much success that i wish to thank everyone for all the posts that I read re-read and read again!

I have a 200 secured card from orchid that is pushing my score up and I got my first CAR! A 2004 Crown Vic . Through Drive Financial.

AND thanks to RealtorKen I have not only filed my first suit against a debt collector BUT they were Successfully served on the 23rd of this month - Central Financial Control -....!!!!!!

I hope all that read this site know how deeply greatful I am. I am on a new road to credit repair that 8 months ago i didnt even think exsisited.

Hello.

I am new on this board and I just wanted to thank you for sharing your story. Right now I feel so overwhelmed with information but I am going to start little by little. Thanks to this board I can have hope that someday my scores will be high. Thanks again for sharing and thanks to all you old timers for having paitence with us newbies in guiding us.

eyeballing.... wish i knew why those dang medical collections, even for a few dollars, relatively speaking, are so aggressive. I'm so glad you got it straightened out. Why do we have to deal with this humiliation? It's wrong. And the cute guy?????

Anyway, never let anything fall off naturally. If you are in the right, fight it. Somehow, somewhere there is a record that does NOT delete after 10 or 7 years.

Wonderm, I learned after going through 2 black ink cartridges here at home, I had to set up a file system. For each CRA, for my letters to them, for my TC and FICO reports separate from the true CRA reports. For legal support. Etc. You will not feel so overwhelmed once you have a system that you can undertand. Oh, and same on your puter. Gotta create a folder all about your credit and download items to that.

Well, just MHO, cause my daughter said our living room was becoming a fire hazard with all my piles.

However, something is working. My EX jumped more than 100 points in a bit over one month. This place is fantastic!

Awesome!! Great story!

That is great news!