Back in 2002, I was tired of constantly being turned down for prime cc's. I found another credit board (before creditboards.com) and got addicted to credit repair. At the time, I had two credit cards. One had a 2K limit, and the other had a $1250 limit.

I pulled my credit reports, and had a charge off and a couple of thirty day lates. I got my charge off supressed under New York state law that says paid charge offs can be removed. So, I paid the charge off, supressed the entry on my credit reports. Then I moved on to removing the 30 day lates. One came off with a dispute, the other (held by NCO)proved much harder, but I finally got it supressed.

Once all those entries were removed, my wife put me on as an AU on her 9 year old Sears card, and I was off to the races. Through a combination of CLI's and card combinations my credit cards now look like this:

Amex Platinum Charge
Amex Delta - 51K
Chase Continental World MC - 48.5K
MBNA Merrill+ Visa - 40K

Now, I dont apply for anymore cards, and only twice a month look at my credit reports. All reports are clean and free of inquiries. All three report scores are in the middle 700's

Great CLs, scores, and success story!!!

This is a truly outstanding example of the progress that can be made! Congratulations upon your success and your sharing of it!

Thanks ladies. I can still remember back when creditboards.com only had a post or two each day. Not that long ago.

I love your credit lines and also how you have only 4 cards. My goal is to have 5 credit cards all over $20,000 plus 2 store cards and 1 gas card. You're a great inspiration!!

While there are many out here on the boards who like having many smaller lines, I prefer the ease of book keeping that comes with only having a few cards. I have also found that it is easier to get the larger CL's if you dont have a lot of smaller cards. Plus, I can carry all of them in my wallet!

"I pulled my credit reports, and had a charge off and a couple of thirty day lates. I got my charge off supressed under New York state law that says paid charge offs can be removed. So, I paid the charge off, supressed the entry on my credit reports. Then I moved on to removing the 30 day lates."


Rawhide:
Can you explain about how you got your charge off supressed? And which specific NYS law are you referring to? I am new to this site and I have been reading up on charge offs and finding out the proper way to have them removed from my credit reports.

thanks,

Please post your request on the main Credit forum in a new thread (or a related, existing, thread) -- this subboard is intended for member success stories.

Truly impressive credit limits! I know I'm new to this whole credit thing but wow. I had no idea one could amass that much credit.

I'm new to this but I have a question for you. Does your income matter in the credit limit you receive or is it solely score driven? (This is assuming your score is over 700.)

Income plays into the equation with each individual creditor.

Update on card's to date:

Amex Blue 100K (Converted from Delta Amex)
Chase Continental 78.5K
Merrill+ still 40K (but will get my other 25K from BoA when consolidation is complete)

I did close out my Amex Platinum charge card because I quit travelling so much.

I have so far resisted doing more apps, just preferring my credit reports to age gracefully like fine wine.

Wow.. just wanted to say .... Wow...!!

Wow...those are some HUGE CLs.

Wonderful story !!