mendelssohn's road to 760+

[mendelssohn]

If business cards are not counted, I'm going to use that angle for signup bonuses after the mortgage app.

 

I'm doing a little more research beforehand though to make sure that's the case.

[AnnMichele]

Mendel, when will your clean up be completed?

[mendelssohn]

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

[AnnMichele]

 

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

 

6 months! That's great!!

 

I'm excited to see what your scores will be then. The anticipation is killing me...

[mendelssohn]

 

 

 

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

6 months! That's great!!

 

I'm excited to see what your scores will be then. The anticipation is killing me...

TU is already "clean" and is 756.

 

The year anniversary should put me over 760 soon, and I suspect EQ will be close and EX slightly higher.

[AnnMichele]

 

 

 

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

6 months! That's great!!

 

I'm excited to see what your scores will be then. The anticipation is killing me...

TU is already "clean" and is 756.

 

The year anniversary should put me over 760 soon, and I suspect EQ will be close and EX slightly higher.

 

I agree and it would be shocking if it weren't.

 

You've done so much already! Your patience is admirable (not that you had a choice but still!).

[NoPresetSnarkLimit]

No interest in the CCT $1 triple Fico?

[mendelssohn]

No interest in the CCT $1 triple Fico?

 

I'm already signed up with MF for scores.

[NoPresetSnarkLimit]

Ah, gotcha, was just looking at the sig.

[AnnMichele]

I'm loving the updated sig!

Edited June 23, 2015 by AnnMichele

[mendelssohn]

Thanks.

[mendelssohn]

I finally closed my Barclays Rewards MC today and moved the limit to my Miles&More MC. That has me down to 1 card from 4 last year with Barclays with a CL of $24,100.

 

 

My Current Tradelines:

$xx,xxx Amex Premier Rewards Gold (2/14->2/92)
$35,000 Lowe's (2/14)
$25,000 Fidelity Amex (11/14)
$25,000 NFCU Flagship Rewards Visa (6/13)
$24,100 Barclays Miles & More MC (10/14)
$19,000 Chase Sapphire Preferred Visa (7/14)
$15,000 NFCU CLOC (6/13)
$15,000 Walmart (6/13)
$13,500 Discover it (2/14)
$7,500 Cap One Quicksilver Visa (3/12)
$5,000 Chase Freedom Visa (2/14)
$5,000 DCU Platinum Visa (7/12)
$5,000 Nordstrom Visa (10/14)
$4,800 Citi Platinum Select AAdvantage MC (7/14)
$3,000 Amex Starwood Preferred Guest (9/14->9/92)
$1,000 Amex Hilton HHonors (11/14->11/92)

Total Limits: $202,900
Average Limit: $13,527


Not included above:

$7,000 Citi Business Platinum AAdvantage
$3,000 Amex Starwood Preferred Guest Business
$xx,xxx Amex Business Gold Rewards
$xx,xxx Amex Business Platinum

 

[Misty120]

 

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

 

I'm re-reading your thread and currently on page 50. But the question that keeps coming to mind is on your car loan you have decided not to delete the tradeline but let the lates age off instead. Are there any other remarks showing up on your reports from the CRA? "Paid but account was 60 days past due"? If so, won't this continue to hurt you?

 

I ask because I too have an old car loan ( Not Santander ) from 2009 that will finally fall off in December. ( I'm about to try the obsolete route with TU ) There are so many things wrong with this account and the reporting it's unreal. They even have the lender name wrong. Anyway in the remarks it says " Paid but was 120 past due ". So even if I waited for the last of the lates that are showing to age off, I would be left with those remarks. I've tried many times in the past to have it corrected or deleted and I am about to jump on it once again. In fact EQ re-aged it to 8/2014 when the loan was originally taken out in 2002 and closed 2008. I was just curious if the reporting of it will continue to hinder your reports? Or will it become a positive tradeline for you once the lates are gone? Keep up the great work!! Thank you for the contribution of your trials and successes.

[mendelssohn]

 

 

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

 

I'm re-reading your thread and currently on page 50. But the question that keeps coming to mind is on your car loan you have decided not to delete the tradeline but let the lates age off instead. Are there any other remarks showing up on your reports from the CRA? "Paid but account was 60 days past due"? If so, won't this continue to hurt you?

 

I ask because I too have an old car loan ( Not Santander ) from 2009 that will finally fall off in December. ( I'm about to try the obsolete route with TU ) There are so many things wrong with this account and the reporting it's unreal. They even have the lender name wrong. Anyway in the remarks it says " Paid but was 120 past due ". So even if I waited for the last of the lates that are showing to age off, I would be left with those remarks. I've tried many times in the past to have it corrected or deleted and I am about to jump on it once again. In fact EQ re-aged it to 8/2014 when the loan was originally taken out in 2002 and closed 2008. I was just curious if the reporting of it will continue to hinder your reports? Or will it become a positive tradeline for you once the lates are gone? Keep up the great work!! Thank you for the contribution of your trials and successes.

 

 

I have tried everything to get it deleted already, and nothing is going to get it removed. I've tried disputing with the CRAs (multiple ways), GW letters, AG complaints, BBB complaints and CFPB complaints. It's stuck.

 

The 30/60 lates will continue to hurt my scores until they're gone, but they will not have an impact great enough to keep me out of prime territory. It WILL be what keeps me out of the 800 club. The day the last late payment is gone, I'm sure my scores will jump to well over 800.

 

As the lates age off, the notations should also age off and it will become a positive account. I'm going to continue to dispute it though, but I'm not expecting anything.

Edited June 25, 2015 by mendelssohn

[Misty120]

 

 

 

Mendel, when will your clean up be completed?

The last of my student loans will be gone in December. I'll consider myself done rebuilding at that time.

 

I still have some Santander lates reporting, but they aren't major derogatories and aren't keeping me from prime scores. I'm going to have to let them just age off.

 

I'm re-reading your thread and currently on page 50. But the question that keeps coming to mind is on your car loan you have decided not to delete the tradeline but let the lates age off instead. Are there any other remarks showing up on your reports from the CRA? "Paid but account was 60 days past due"? If so, won't this continue to hurt you?

 

I ask because I too have an old car loan ( Not Santander ) from 2009 that will finally fall off in December. ( I'm about to try the obsolete route with TU ) There are so many things wrong with this account and the reporting it's unreal. They even have the lender name wrong. Anyway in the remarks it says " Paid but was 120 past due ". So even if I waited for the last of the lates that are showing to age off, I would be left with those remarks. I've tried many times in the past to have it corrected or deleted and I am about to jump on it once again. In fact EQ re-aged it to 8/2014 when the loan was originally taken out in 2002 and closed 2008. I was just curious if the reporting of it will continue to hinder your reports? Or will it become a positive tradeline for you once the lates are gone? Keep up the great work!! Thank you for the contribution of your trials and successes.

 

 

I have tried everything to get it deleted already, and nothing is going to get it removed. I've tried disputing with the CRAs (multiple ways), GW letters, AG complaints, BBB complaints and CFPB complaints. It's stuck.

 

The 30/60 lates will continue to hurt my scores until they're gone, but they will not have an impact great enough to keep me out of prime territory. It WILL be what keeps me out of the 800 club. The day the last late payment is gone, I'm sure my scores will jump to well over 800.

 

As the lates age off, the notations should also age off and it will become a positive account. I'm going to continue to dispute it though, but I'm not expecting anything.

 

I can see it's been a real PITA for ya. Good luck Mendel...you're in the home stretch now!

[mendelssohn]

Thanks, Misty! I'm close, but growing more anxious and impatient every day.

[Misty120]

Thanks, Misty! I'm close, but growing more anxious and impatient every day.

Well I just made it to the end of your thread. What an awesome and inspiring read!! This is going to help so many people see the end of their dark tunnel.

Congrats on your successes and thank you for the inspiration. I can't wait to see your final results!!

[mendelssohn]

I've been trying to maximize my cleanish TU report to my advantage, and decided to see if I could get NFCU to either do a SP or to pull TU instead of EQ for a CLI. They have always pulled EQ for my CLIs on my CC.

 

1. I froze EQ.

 

2. I called in and asked them to submit a CLI request for as much as I was eligible for at this time. I didn't specify an amount. I did this hoping for a SP, which is not likely above $25K.

 

3. The CSR told me that I would have a decision in 2 days.

 

4. I got an alert for a new TU inquiry.

 

5. I just checked online.....

 

 

:yahoo: :yahoo: :yahoo: :yahoo: :yahoo:

 

 

 

My Current Tradelines:

$xx,xxx Amex Premier Rewards Gold (2/14->2/92)

$35,000 NFCU Flagship Rewards Visa (6/13)
$35,000 Lowe's (2/14)
$25,000 Fidelity Amex (11/14)
$24,100 Barclays Miles & More MC (10/14)
$19,000 Chase Sapphire Preferred Visa (7/14)
$15,000 NFCU CLOC (6/13)
$15,000 Walmart (6/13)
$13,500 Discover it (2/14)
$7,500 Cap One Quicksilver Visa (3/12)
$5,000 Chase Freedom Visa (2/14)
$5,000 DCU Platinum Visa (7/12)
$5,000 Nordstrom Visa (10/14)
$4,800 Citi Platinum Select AAdvantage MC (7/14)
$3,000 Amex Starwood Preferred Guest (9/14->9/92)
$1,000 Amex Hilton HHonors (11/14->11/92)

Total Limits: $212,900
Average Limit: $14,193


Not included above:

$7,000 Citi Business Platinum AAdvantage
$3,000 Amex Starwood Preferred Guest Business
$xx,xxx Amex Business Gold Rewards
$xx,xxx Amex Business Platinum

Edited June 27, 2015 by mendelssohn

[cv91915]

 

I've been trying to maximize my cleanish TU report to my advantage, and decided to see if I could get NFCU to either do a SP or to pull TU instead of EQ for a CLI. They have always pulled EQ for my CLIs on my CC.

 

1. I froze EQ.

 

2. I called in and asked them to submit a CLI request for as much as I was eligible for at this time. I didn't specify an amount. I did this hoping for a SP, which is not likely above $25K.

 

3. The CSR told me that I would have a decision in 2 days.

 

4. I got an alert for a new TU inquiry.

 

5. I just checked online.....

 

 

:yahoo: :yahoo: :yahoo: :yahoo: :yahoo:

 

 

 

That's outstanding!

 

I think we all see where this is heading.

 

[mendelssohn]

 

 

I've been trying to maximize my cleanish TU report to my advantage, and decided to see if I could get NFCU to either do a SP or to pull TU instead of EQ for a CLI. They have always pulled EQ for my CLIs on my CC.

 

1. I froze EQ.

 

2. I called in and asked them to submit a CLI request for as much as I was eligible for at this time. I didn't specify an amount. I did this hoping for a SP, which is not likely above $25K.

 

3. The CSR told me that I would have a decision in 2 days.

 

4. I got an alert for a new TU inquiry.

 

5. I just checked online.....

 

 

:yahoo: :yahoo: :yahoo: :yahoo:

 

 

 

That's outstanding!

 

I think we all see where this is heading.

 

 

 

Eventually, that's one of my goals.

[TrevorHere]

congrats mendel

[mendelssohn]

congrats mendel

Thanks, Trev.

 

Someday I will have it up to $80K.

[Misty120]

Outstanding!!! Congrats! They always soft EQ for me. Even through the deep freeze.

[mendelssohn]

Outstanding!!! Congrats! They always soft EQ for me. Even through the deep freeze.

Thanks.

 

I've heard that above $25K they don't soft, but I wanted to try. At least it was a TU pull.

[Quietman]

Congrats Mendie!