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Found 9 results

  1. I'm going to make this a short and sweet summary found the forums in 1/11 1st card since '08 in 2/11 ($400 MC by HSBC) 1st discover card in 11/11 ($1k) then had 3 fights: cap one (charge off): failed Public Storage (public collection?): tie [they will fall off next year so meh] LVNV/Resurgent (CA for cap one): WON! in 3/12 MC $400 -> $520 in 5/12 Discover $1k -> $1350 in the last year i have gained a minimum of 50 pts on all 3 8 days ago i was approved for a $900 amazon.com store card 3 days ago i got my very first car! a 2008 Prius touring package #6 it's b
  2. I'm very new to posting to this forum but have been using it for reference over the last month and wanted to share my recon story. I already had a Barclay's Reward Mastercard that I've had for over 7 months now and recently hit the CLI button. When asked how much I wanted, I was rather conservative and only asked for $250 which was granted after about an hour. So then I thought, perhaps I could have asked for more? So after reading on here about people calling the recon line to ask for more, I took a chance. After going over my account and answering a few questions, they granted me another
  3. I received my Bank of America travel rewards card on Monday, called Tuesday for a CLI from 2500 to 5000, approved. Called today and asked to get bumped to 7500, put on hold for a few minutes, asked some income and employment info, approved. Bank OF America is awesome seems they are very generous with CLI's 2 in 2 days and just got the card Monday.
  4. In my late teens I was out on my own and very troubled. I used to need weekly therapy visits and other various medical services, and though I had insurance through the community college I was going to, I often couldn't pay the copayments. I let the bills stack in a high pile in my living room, and going near them put me into a panic attack. Around 7 years ago I decided enough was enough. I checked my credit reports and found that my scores were in the low 500's, and I had 5-7 collections on each report. I also had a credit card with a $2k limit, which I had maxed out for car repairs ye
  5. 06/17/13 I had a 482 FAKO & 32 negative accounts. Tomorrow morning (06/09/14) I am closing on our first (forever) home with 100% clear reports & 750-760's across the board. I never thought I'd see the day. Not gonna lie, I'm pretty excited about the app spree tomorrow evening as well THANK YOU, CB!!
  6. As a 26 year old married mom of 3, I was scared to death of the damage my 18 year old self had done. It was appalling & I could not bring myself to face it for many, many years. I started this journey on June 17th, 2013. At the time, I had 32 negative accounts (collections and charge offs), and a FAKO of 482. Because of all of you wonderful contributors to this site, I saw my first 700+ FICO score today. As the title says, I had to pick my jaw up off the floor. Totally shocked! My Merrick Bank FICO is 773 & Discover is 743. Granted, both of these are TU and TU is my only completely cl
  7. I started our credit repair journey on July 17th. Last week, I decided to open a new checking/savings at Suncoast Schools Credit Union. I noticed over this weekend, through MPM, that they pulled Experian for the checking account. DH and I went to a branch this morning. I figured, if they pulled our credit for a checking account, might as well see what they can do for a CC or our upcoming auto loan. Sat down, was told my Experian FICO is 659 (I started with FAKOs in the 480 range!) and DH's is 619 (started with FAKOs around 520!) I was on Cloud 9! Waiting to hear results of our application late
  8. Had some negative accounts that were not mine showing up on transunion report. Disputed them online and had success with 2 of them. The other 2 I was able to have removed instantly by calling transunion directly. Spoke with an awesome rep. He actually deleted the accounts while I was on the phone with him. I suggest speaking with and addressing disputes with this person. I do not know if I allowed to post his name in the forum????
  9. After about 18 months of coming to CB and reading, reading, reading (and some posting, posting, posting) my Trans Union report is now 100% clean of everything. No derogs, no inquiries, NOTHING! Thanks to the advice on this board I've used a variety of methods to get everything cleaned up and accelerate the pace of progress (I knew nothing about B*, obsolete disputes, etc., before coming here). I also established new, positive tradelines (first a secured card; then a secured LOC; then joint card ownership thanks to a SO with impossibly clean credit, a decade-old account and a penchant t
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