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I did it, 6 years but zero to hero.


maustinx
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The last post in this topic was posted 1707 days ago. 

 

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Hello all!! new to CB been a follower for awhile now. First off would like to thank all of you guys for all the info you put out there. Houston Lynne,Bobwang,Funkiehouse,cv91915,whyychat. All of you guys thank you, Now recently I took on the challenge on repairing my credit so far I opt out all my old info addresses an all.. I disputed with eq out of 3 negs got 2 removed 1 still pending ex got both negs removed on the first try..👏. Trans having a little more trouble with.. But over all my credit went up 58 pts in 2 months

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Hello all need some help here. I sent the CA a DV letter I sent it certified with a rr it came back verified they sent me a copy of the old bill from original creditor with the amount and my info on it. So now at a stand still not sure what to do next please help

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Hello all!! new to CB been a follower for awhile now. First off would like to thank all of you guys for all the info you put out there. Houston Lynne,Bobwang,Funkiehouse,cv91915,whyychat. All of you guys thank you, Now recently I took on the challenge on repairing my credit so far I opt out all my old info addresses an all.. I disputed with eq out of 3 negs got 2 removed 1 still pending ex got both negs removed on the first try... Trans having a little more trouble with.. But over all my credit went up 58 pts in 2 months

 

 

Hello all need some help here. I sent the CA a DV letter I sent it certified with a rr it came back verified they sent me a copy of the old bill from original creditor with the amount and my info on it. So now at a stand still not sure what to do next please help

 

Posting a question in someone elses success thread from 1 1/2 years ago isn't going to get you answers. Just saying...

 

You're not in the right forum and you are hijacking someone elses thread.

 

Start your own thread here (http://creditboards.com/forums/index.php?showforum=2) if you want answers and want people to take you serious.

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  • 2 months later...

Good for you. Seems as if I am facing at least that much time to fix the mess that I have made of my credit. I am in student loan hell. I feel sick to my stomach right now, as I look at the big mess that pulling all 3 agency reports revealed. I am going to shut down for now and tomorrow I start searching for inaccuracies. Wish me luck all. I have every type of baddie possible on my report. 19 in total.

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I want to keep this short so others know there is hope, but it is a long and slow road. This is the short version of how I ended up here, any questions let me know and I will try to chime in.

 

 

2006- Had nothing but a checking account. One bank account was closed, various CAs after me, about 10-12k in debts, lots of damage of being 18 with a credit card. (check my post history)

 

Late 2006- Hung out here lurking a lot, dodging people serving me, understanding the whole process of how I ended up in this spot and how to never do it again. MyFICO wouldn't even pull.. another site estimated at 550-580.

 

2007- Full on attack, Opt-outs, small clean up on my CRAs, found a way to open up a USAA checking/savings account, became responsible. PFD and DVL. Down to one judgement and 3-4 baddies on each. Closed my last checking account and went into my safe haven of USAA for everything, the accounts no one but me had.

 

2008- CRAs are now reporting almost nothing but some hard pulls and TU is showing a judgment. TU won't update my new address so I give up with them, I'll attack them later. I call this 85% done, aiming for 100% would drive me nuts.

 

Late 2008- Open up Hooters 300cl woohoo! and orchard secured- 500$. Charge up and pay off monthly.

 

Early 2009- Open up secured CapOne for 1k. Now I feel like progress is being made. I have 3 cards, 2 are secured oh well, and positive TLs are being built.

 

Late 2009-CRAs only show pulls for these cards, and of course TU is a judgement and wrong address, I still don't care. (I should have attacked them here, but why wake a sleeper)

 

Early 2010- Attack the judgment, found a lawyer, paid about 1k to toss out the 5k judgement. Worth it to me. Still shows on my TU, but I know I can remove it now when I want.

 

Late 2010- Walk into a dealership and take out a 20k subprime auto loan. Small, but impressive that I got it at this point. Hit USAA for a credit card about the same day, 10k limit. OMG... I am almost a new person. Auto loan, credit cards, it's so close I can taste it. All I have to do is not screw this up.

 

2011- Sit idle and pay down auto loan, charge and pay off cards, float a little balance on my USAA. 5 years later and I am almost there.

 

Late 2012- Last week. Now, all my auto loan hard pulls are off, USAA pull is off, I have a clean slate with 2-4 years of history. Yes, TU is still messed up but again, 85% here, I'll deal with them next year. However, I did a mini AoR to see where I stand. 4 attempts, at least 1 on each CRA, 4 WINS! ZOMG. Priceline VISA- 3500, AMEX GOLD, CITI AA- 5000, and USAA #2, 10k. Oh, also opened up penfed the same day. My scores via USAA show 710-721. Not the best, but I am human again. I can only imagine where I will be in two more years. And the biggest win was that AMEX, a card I was never able to get even when I had my previous lines.

 

 

Yes, it is possible, but it takes a lot of patience and waiting for those positive TLs to build. Hang in there guys, it's easy to get discouraged. Remember, start slow, attack, build those secured cards, try not to pull until you have to (every 2 years), and it will all be okay in the end. Perhaps the most important part here... do not end up back where you started! Thank you CB!

I had a Irs tax lien I got removed and several lates and my score jumped 100 points and I just got approved penfed $9500 Plat card

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  • 6 months later...

How did you get the tax lien removed?

 

Google, and you'll find threads specifically addressing IRS tax liens. It's the IRS's policy to remove tax liens once the taxes have been paid (after you file a form requesting that they remove the lien)

Edited by JeffeVerde
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