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rootnik

My sucess story

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Hello Everyone I have some wonderful news!!! I just got an instant approval for Citi's Premier Pass Card!!! 6 months ago I couldn't finance a mosquito walking jacket (my Dad says that all the time) and thanks to creditboards I have changed my whole outlook on finances and now have a 2nd chance. This is the best feeling in the world. To anyone who happens to be skeptical, just give it a chance these guys know their stuff and are really able to help you if get in there and read up. Thanks for everything and let's all keep fighting the good fight. :lol:

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I like the title of you're thread!

 

ficos from low 500s to 700s

 

MOST AWESOME!

 

You're success story is as well.

 

GREAT WORK! AND GOOD JOB!

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I spent some time reading these stories. I wonder if some of you (the one's with low 500s reaching 700s) can become Debt Management Consultants! People are better off taking your advice than those who have not actually experienced. Think about this... All the best ;)

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First Congrats.

 

I have an intresting question that I don't think anyone else asked you in this two page thread.

 

I noticed that Three of your four new accounts are with Amex. Your only other acct is B of A.

 

Moreover, I see that you have a low of around 6000 and a high of about 8000. This is an aggregate of about $20,000.

 

How did you get three diffrent Amex Products within a month?

 

I heard that this can be tough , if not impossible.

 

Moreover, Why was not Amex concerned that they were not the only kid in the sandbox so to speak.

Good luck with your new file and congrats again.

 

If you could address my Amex question either on this thread of via PM , I'd appreciate it. Until a month ago, I was exclusively an "Amex Guy."

 

This is my first post and I have to figure out how to create a signature block. It's a really cool site.

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Congrats on your success story. A lot of hard work, but you did it. And I'm glad you posted that about secure cards. I have two (one Visa, one Mastercard) and was wondering if I should just get rid of them. But I shall keep them for the history.

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Hello,

I find your post inspiring and I am ready to start on the adventure. Can you please point me to sample letters you used to corect addresses, dispute charge offs etc. Any help would be appreciated.

 

 

 

 

 

For the Sucess forum...

 

My credit repair adventure started in 2003.

 

My first pulled credit reports had:

 

No positive trade lines

 

Equifax: 11 collection accounts (4 paid)

Transunion: 8 collection accounts

Experian: 7 collection accounts

 

No repos, no BK, no public records. Just a lot of small accounts. (nothing over $500)

 

My Equifax fico was 503. Experian and TU were 520-540.

 

I started off with the personal information. Transunion had a SSN that wasn't mine, and an incorrect birthday. I disputed my old addresses, and got them removed (with the exception of Experian).

 

Then I followed the advice of this and another credit forum and delivered the 1-2 punch.

 

My first round of disputes were accounts that were listed on all 3 credit reports I had 6 of these accounts, 3 of them where deleted from all CRAs!

 

After the first round of disputes, I did a blanket dispute on my paid collection accounts on Equifax. All 4 were removed. Lucky me!

 

I arranged a PFD with a bank I owed money to, this TL was listed on all 3 reports.

 

Things where moving along pretty quick...

 

I cleaned my Transunion report up, minus 1 baddie, in less than a year. I still had no positive TLs...

 

I got 2 medical bills removed using WhyChat's hippa method...

 

In August of 2004 I got approved for a car loan. My first approval since I was 18!

 

Then, I got burnt out. I still had a few baddies scattered around that were sticking like glue. It seemed that I have leeched all I could get out of the 1-2 punch.

 

For about 6 months nothing much really happened. I checked my credit once a month or so to see if anything new had shown up, but that is about it.

 

My wife and I started talking about buying a house, and that motivated me to start chipping away at my report again.

 

I disputed two 7 year old TLs as obsolete. Both were deleted off all 3.

 

I got a National City secured card, and applied for the target guest card and was approved.

 

Down to 2 baddies!!!

 

Then we made a big mistake! Without opting out, my wife asked a friend of hers to pull our credit reports to see what type of mortgage we could get. A week later Allied Interstate showed up on all 3 CRAs :)

 

I did a simple dispute, and got it deleted off all 3 easily in less than a couple weeks. Again, lucky me.

 

CBCS was one of my last 2 baddies. They never replied to any of my validation requests. Not wanting to take the time to sue, I sent an letter to Equifax explaining to them the trouble I was having getting a hold of CBCS. This must have been a BIG ongoing problem with CBCS because Equifax deleted within 24 hours.

 

TU and Experian did not show me the same love though. I fired off a complaint to the BBB. About a month later they caved in and deleted the account from my other reports.

 

After these deletes I had one baddie left, and it was only on my Equifax report. The CA was Firstpoint Collection Resources. It was for the huge sum of $58. It was for an old Insurance account that I closed in good standing.

 

This was by far the toughest to get rid off. They sent me proper validation of the account (but not the debt) monthly. They would not PFD. Even the CEO denied my request/goodwill letter for a PFD. It was time to find out just how much this $58 account was worth to them...

 

So I fired off complaints to the AG, BBB, and the Department of Insurance all on the same day. I disputed with Equifax, this time in a hand written letter explaining to them that the account was closed in good standing. And just when I was about to give up, I checked my credit reports. After 2 years of disputes it was finally deleted!

 

 

Now my credit report has:

 

No baddies

 

1 car loan (12 months)

 

$250 Secured National City (8 months)

$200 Target (7 months)

$400 Chase Platinum (3 months)

 

Soon to be reporting:

 

$2500 Bank Of America Unsecured (1 month)

$6300 Amex Starwood (1 month)

$7800 Amex Blue (1 month)

$8300 Amex Optima Platinum (1 month)

 

My report is very young. These new accounts are going to hurt more scores for a few months, but a year from now I hope they will rebound enough to get a good prime interest rate on a mortgage. By then I will have no inquires, my utilization will stay under 10%, and have nothing but good trade lines.

 

My suggestions to people who are just starting:

 

Never give up. This isn't going to happen over night. It takes many of us years to completely clean our reports.

 

Get a couple of secured cards NOW. Don't wait until after you cleaned house like I did. Now I have high scores, but short history and still get denied for many cards my scores say I should get approved for.

 

Don't think that the 1-2 punch is your only weapon (though it should be your first line of defense), especially with low dollar accounts. The BBB has been VERY good to me in dealing with unfair CAs. Send complaints to the BBB, ACA, AG and the Department of Insurance and send them all at the same time! Keep them busy, and have them question whether or not this $30 account is really worth all of the work they are putting in to it.

 

This place has been good as gold to me. Thank all of you for making Credit Boards the resource it is today.

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I spent some time reading these stories. I wonder if some of you (the one's with low 500s reaching 700s) can become Debt Management Consultants! People are better off taking your advice than those who have not actually experienced. Think about this... All the best :grin:

 

 

That is soo true. I'm sure the folks here will do better being that they can relate easily to others becus they've experienced the challenges we're going thru.

 

 

 

Thankyou again for sharing your story.

 

:clapping:

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Hello,

I find your post inspiring and I am ready to start on the adventure. Can you please point me to sample letters you used to corect addresses, dispute charge offs etc. Any help would be appreciated.

 

Here is a link to the letter forum,

 

http://creditboards.com/forums/index.php?showforum=18

 

or go to

 

http://www.creditboards.com/forums/

 

and scroll down past a bunch of forums till you see the letters forum under "resources"

 

good luck.

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Sorry----do not understand. Joke?

 

Similar strory I just wanted to share that I have finally found a company that did what they said. I tried on my own and that was good, but i tried 2 other companies and they couldn't do a thing. The only one that had complete success was igotcaughttryingtospam.com. There online tracking portal was the biggest help bc the other 2 I could never get on the phone. Here I just logged in and saw the date they worked on it, what was deleted and so on, and each time a change was made I recieved an automatic email.they also analyze to see if you even qualify, so it's not a waste of time. Very impressive. atc. They spam.com :rofl:

 

 

once again, we don't allow solicitation here

 

It is sneaky trying to build the spam into the post, but you will be caught.

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OP-your experience4 is amazing. Do you contribute some of the removals ---which appear to be belonging, and not the ones which did not properly belong--to goog luck?

 

Sorry----do not understand. Joke?

 

Similar strory I just wanted to share that I have finally found a company that did what they said. I tried on my own and that was good, but i tried 2 other companies and they couldn't do a thing. The only one that had complete success was igotcaughttryingtospam.com. There online tracking portal was the biggest help bc the other 2 I could never get on the phone. Here I just logged in and saw the date they worked on it, what was deleted and so on, and each time a change was made I recieved an automatic email.they also analyze to see if you even qualify, so it's not a waste of time. Very impressive. atc. They spam.com :good:

 

 

once again, we don't allow solicitation here

 

It is sneaky trying to build the spam into the post, but you will be caught.

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Thanks for your inspiring testimony.

 

I worked really hard at clean-up for about a year and a half, then my house/finance/marriage situation didn't turn around and after much effort at saving it, I lost my house. When I might mention my credit, some people were like, "It doesn't matter, your credit is already ruined.", but because of a board like this, I know it does matter, and while my credit may be ruined for now...I've got to believe there is hope and I will one day be a homeowner again.

 

Now that I'm 4 months post foreclosure, I just this week went on line to get my free credit reports from all bureaus. Naturally EQ and EX claimed there was some blockage and I'd have to call or write, but TU pulled mine up and I printed it off. I'm ready to dig in and go to work again, and just reading your letter give us all the fortitude (on those bad days here and there) to keep at it.

 

Thank you--and thank you Credit Board! There's alot of love here.

 

P.S. I'd hate to think how I would have cowered when talking to attorneys and the sherriff's office involving this foreclosure--if I hadn't learned alot about the process here first. It's given me time to deal with it with a little less fear. Thanks again CB!

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Then we made a big mistake! Without opting out, my wife asked a friend of hers to pull our credit reports to see what type of mortgage we could get. A week later Allied Interstate showed up on all 3 CRAs :grin:

 

 

I personally don't view this as a mistake. About a year ago during all of my CB stuff, I did the same thing, except I was not intending on buying a house at that time...then, BAM I got hit with the new derogs on my credit report. I did this so I could take care of them in advance. Now, when I apply for my mortgage, I won't be worrying about it because I already drew them out in the open and dealt with them.

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Then we made a big mistake! Without opting out, my wife asked a friend of hers to pull our credit reports to see what type of mortgage we could get. A week later Allied Interstate showed up on all 3 CRAs :aggressive:

 

 

I personally don't view this as a mistake. About a year ago during all of my CB stuff, I did the same thing, except I was not intending on buying a house at that time...then, BAM I got hit with the new derogs on my credit report. I did this so I could take care of them in advance. Now, when I apply for my mortgage, I won't be worrying about it because I already drew them out in the open and dealt with them.

 

I haven't checked in here in a while.

 

I had somebody in this thread ask how I got approved for 3 Amex cards in 1 month.

 

Answer: I do not know :grin:

 

Since writing the original post, I have received credit line increases and the total line of credit for all 3 accounts is $25k. Amex has treated me very well.

 

To answer the above quoted post, you are 100% correct. Allied Interstate ended up selling the accounts to somebody else, and they showed up a month later with a new CA. They were just as easily removed.

 

For the past 5 months we have been serious about buying a house. We have had mortage inquiries about once a month (as our locked rates expire)... this has taken a hit on my scores but as not attracted any new baddies (knock on wood).

 

Somebody else asked if I felt like I just had a run of good luck or if I think the process of writting letters, sending complaints, etc... really worked for me.

 

Answer: This was a looong 2 year process. I spent many LATE nights researching on forums just like this. I wanted to give up more times than I can remember, especially towards the end when I had that 1 last debt that was so small that I could not get the CA to agree to a 'pay for delete' solution. Luck would have been waking up one morning and noticing that everything bad was deleted with no effort at all.

 

Sure there is always the luck factor, but your credit reports are not going to clean themselves up.

 

I only wish I would have started about a year earlier to take advantage of those mortage interest rates before they started going up again! We are in the process of closing on a house. Back in Febuary we were locked at 6%, but could not find anything. 4 months later the best we can get is 6.5%

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For the Sucess forum...

 

My credit repair adventure started in 2003.

 

My first pulled credit reports had:

 

No positive trade lines

 

Equifax: 11 collection accounts (4 paid)

Transunion: 8 collection accounts

Experian: 7 collection accounts

 

No repos, no BK, no public records. Just a lot of small accounts. (nothing over $500)

 

My Equifax fico was 503. Experian and TU were 520-540.

 

I started off with the personal information. Transunion had a SSN that wasn't mine, and an incorrect birthday. I disputed my old addresses, and got them removed (with the exception of Experian).

 

Then I followed the advice of this and another credit forum and delivered the 1-2 punch.

 

My first round of disputes were accounts that were listed on all 3 credit reports I had 6 of these accounts, 3 of them where deleted from all CRAs!

 

After the first round of disputes, I did a blanket dispute on my paid collection accounts on Equifax. All 4 were removed. Lucky me!

 

I arranged a PFD with a bank I owed money to, this TL was listed on all 3 reports.

 

Things where moving along pretty quick...

 

I cleaned my Transunion report up, minus 1 baddie, in less than a year. I still had no positive TLs...

 

I got 2 medical bills removed using WhyChat's hippa method...

 

In August of 2004 I got approved for a car loan. My first approval since I was 18!

 

Then, I got burnt out. I still had a few baddies scattered around that were sticking like glue. It seemed that I have leeched all I could get out of the 1-2 punch.

 

For about 6 months nothing much really happened. I checked my credit once a month or so to see if anything new had shown up, but that is about it.

 

My wife and I started talking about buying a house, and that motivated me to start chipping away at my report again.

 

I disputed two 7 year old TLs as obsolete. Both were deleted off all 3.

 

I got a National City secured card, and applied for the target guest card and was approved.

 

Down to 2 baddies!!!

 

Then we made a big mistake! Without opting out, my wife asked a friend of hers to pull our credit reports to see what type of mortgage we could get. A week later Allied Interstate showed up on all 3 CRAs :P

 

I did a simple dispute, and got it deleted off all 3 easily in less than a couple weeks. Again, lucky me.

 

CBCS was one of my last 2 baddies. They never replied to any of my validation requests. Not wanting to take the time to sue, I sent an letter to Equifax explaining to them the trouble I was having getting a hold of CBCS. This must have been a BIG ongoing problem with CBCS because Equifax deleted within 24 hours.

 

TU and Experian did not show me the same love though. I fired off a complaint to the BBB. About a month later they caved in and deleted the account from my other reports.

 

After these deletes I had one baddie left, and it was only on my Equifax report. The CA was Firstpoint Collection Resources. It was for the huge sum of $58. It was for an old Insurance account that I closed in good standing.

 

This was by far the toughest to get rid off. They sent me proper validation of the account (but not the debt) monthly. They would not PFD. Even the CEO denied my request/goodwill letter for a PFD. It was time to find out just how much this $58 account was worth to them...

 

So I fired off complaints to the AG, BBB, and the Department of Insurance all on the same day. I disputed with Equifax, this time in a hand written letter explaining to them that the account was closed in good standing. And just when I was about to give up, I checked my credit reports. After 2 years of disputes it was finally deleted!

 

 

Now my credit report has:

 

No baddies

 

1 car loan (12 months)

 

$250 Secured National City (8 months)

$200 Target (7 months)

$400 Chase Platinum (3 months)

 

Soon to be reporting:

 

$2500 Bank Of America Unsecured (1 month)

$6300 Amex Starwood (1 month)

$7800 Amex Blue (1 month)

$8300 Amex Optima Platinum (1 month)

 

My report is very young. These new accounts are going to hurt more scores for a few months, but a year from now I hope they will rebound enough to get a good prime interest rate on a mortgage. By then I will have no inquires, my utilization will stay under 10%, and have nothing but good trade lines.

 

My suggestions to people who are just starting:

 

Never give up. This isn't going to happen over night. It takes many of us years to completely clean our reports.

 

Get a couple of secured cards NOW. Don't wait until after you cleaned house like I did. Now I have high scores, but short history and still get denied for many cards my scores say I should get approved for.

 

Don't think that the 1-2 punch is your only weapon (though it should be your first line of defense), especially with low dollar accounts. The BBB has been VERY good to me in dealing with unfair CAs. Send complaints to the BBB, ACA, AG and the Department of Insurance and send them all at the same time! Keep them busy, and have them question whether or not this $30 account is really worth all of the work they are putting in to it.

 

This place has been good as gold to me. Thank all of you for making Credit Boards the resource it is today.

 

Your journey is inspirational. Can you give us an update or current suggestions?

Thanks!

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