It started when I found this board 2 years ago, I was depressed and the only thing I could get was 1 secured card after divorce and BK13 and BK7, scores were all in the 400's I had 2 repos, and all trade lines were bad. Anyway, I started lurking and reading everything I could, I remember after reading for 1 week I thought I was an expert and I called EQ to dispute, boy they took me through the ringer, I hung up shaking because the woman I spoke to told me I didn't know what I was talking about (WTH ) I was so mad, I new it was a mistake to call but I thought that I could handle them, I was wrong. Well here it is 2 1/2 years later, I got my scores up enough to buy a house for $269k in Jan. of 02, we sold that house Dec. 04 and bought another house for $500k with the help of my friends on the mortgage boards, I got the repos off and all negative tradelines except that BK 7- but did get the BK 13 off all 3, only 1 tradline shows BK7 and that's on EX - know tradelines showing on other 2 CR.

CCards I had in 03 were: Household/Bestbuy $1450
Household/Orchard $500
FirstPremiere $250 since 2000
Macy's $400

Ccards 04 Patelco Classic $1500k CLI $3500k
Bought Dodge Grand Caravan w/ 17%

Ccards March 05 Patelco Gold $5k
Citibank Rewards $3k
Refi Dodge Grand Caravan w/Patelco at 4.25%
Personal Loan $10k
Shockdrawed all Household cards and First Prem.

Things I do differently this time around: Pay all bills off monthly
Only spend what I can afford
Pay on time

Again, thanks for all the help and like Whychat once told me, go back and help others. So I'm still here lurking every now and then, if you need me just HOLLA!!

Chitchat

Thanks ChitChat. I needed to hear that!

Good job. I'm sure it was a lot of hard work. I too feel like I could take on the CRAs but I'm listening to the vets and staying off the phone. I'm going with the paper assault since I think it will be less painful if rejected.

Anyway, thanks for the good story and thanks for stickin' around to help us freshmen!

D

YEEHAW!!!!!!!!!!!!!

Thanks guys- what a journey but well worth it, Oh and if I can't help, I'll be here if you need to vent or just someone to listen

Congrats! Always nice to hear a success story.

That is SOOOOOOO great! I love hearing success stories because it lifts my spirits. Thanks so much for sharing. CONGRATS!

Me and my DH are looking to buy a home as well, I bet that house of yours is beautiful.

Thanks so much Melanie--Sometimes I just can't believe it too...

I can attest that anything is possible when you put your mind too it! DH and I use to dream of owning my own home.

Plus with the help of all our friends on Credit boards, just keep reading and asking questions. You guys will get that house!

O snap!!! ChitChat's a BALLA!


Can I borrow 30 FICO points???

Outstanding! Congrats and keep up the good work!

Q your crazy - Yup I'm a balla shotcalla $$$ LOL

Thanks Woody72

Wow! Cool beans! Very inspirational.

I thought so, you got them 20 inch blades parked in your garage too with your FICO scores etched in them.


Well minus the 30 you are gonna let me borrow...

Geez, does First Premier ever give CLI's. I have had a FP card for over two years now and it is still at a $250.00 CL!!

Congratulations by the way. I hope my credit repair goes as well!

You should post this in the Creditboard's Success Stories forum. Btw, Congrats to you.

Good job! Always nice to hear another success story!

On a side not I'll bet ya that you can get that 17% Caravan loan more than cut in half if you go through a credit union and refinance.

She did refi the van, per her first post. Refi'd at 4.25% with Patelco.

Congrats. I hope maybe someday I will have a success story to post.

Thanks for an inspiring success story!! This is why we do this, guys. You have no idea how rewarding it is that our board helps change people's lives for the better. Yeeeeeeeeehaaaaaaa!!!

Would any of you be willing to help me with some guidance on disputing some TL's on my report. I'm very new to the board, but I def need some help.

If someone would be willing to help, please contact me! I just need to know who to dispute, when to dispute, what to say when disputing...you know, basically everything!!

Any advice would be soooooo appreciated! I wanna be a success story eventually!

As of me posting this message you are reading a IIB thread. Click on this link http://creditboards.com/forums/index.php?showforum=15 and read it about 5 times, (yes the whole thing) then ask some questions, and read it a couple more times. I have been at this for almost 2 years and I was just reading it 4 hours ago for a tip I remember reading in it.

Sorry for the thread hijack but their PM is disabled for awhile.

Congrats! You and I started around the same time on Credit Repair! It's been a long road, but it's all been worth it! I'm in a new house, have some nice new trade lines, and I owe it all to this great place!
Keep up the good work!

monanell

Monanell,

Congrats to you also and thank you!

That's great news! I looked over my credit report and noticed that there were certain things that are doubled. Any suggestions?

Sooooo happy for you. I've just started looking
into cleaning up my credit report. The idea of it makes
me a little queasy. Then I read a story like yours and
it gives me hope.

Congrats to you!!! It is always good to read such success stories, gives you more hope.

Sweet.

CHITCHAT, Good for you! thats great,I am now trying to clean up my credit, any ideas where to start, How to get liens and charg offs out!

congrats again,

keli

Thanks Keli449,

Go to that newbie section and READ! READ! READ!

When you think your ready Opt out and get old addresses removed from your reports and names.

Come to the Credit forum and start posting questions if you can't find in the newbie section, you can also do searches on anything you need.

Good Luck!

Thanks so much ChitChat for that inspiring success story. I sounds like you are telling my BFs story to a T. He has just filed Ch 7 BK, has one repo (because ofr helping out a friend/con artist), and he feels very depressed and down about everything right now. I am going to have him read your story!

Thanks chitchat and a big CONGRATS to you!

Great job! i'm sharing these success stories with a pal who needs this uplifting encourgment!!

Hi ChitChat! I found this thread while searching for Macy's info. I'm so happy for you! I am wondering how you got the repos off-I have a real stinker that just won't go away. Any help would be much appreciated.

Chit Chat

I know this post started a while ago, but wanted to let you know something as well as others.

Seeing what you done is fantastic, but the most important of all things is within one of your sentences.

You are not buying things you cannot afford.
You are not overspending.
You realize your mistakes and will not do it again.

Once you see the success you have had, isnt it great to know you really did all this work and now understand with discipline and knowledge, what you can accomplish!

I say you did a heck of a job and again, more important you know were you are know and what to do.
Congrats on a super job!

Beachfamily

REPO post - PM me and I will see if I can help you.