A little about my history. I became very ill a few years ago and was unable to work for 2 yrs. With 2 children and a only a small amount of child support as income I was forced to file BK13 to try and save my home from foreclosure. On the advice from my atty, I filed a 2nd BK13 to stop foreclsoure again. When my health just wasn't improving, I finally filed a BK7.
When I started my credit repair with CB, I had 3 BK's, a Foreclosure, many collections and 10-15 negative TL's on each report. I had 2 credit cards: Cap 1 for $300 and Orchard for $300. My scores ranged from low to mid 500's.
I started cleaning my report. I got all the BK's deleted from EQ, 2 BK's deleted from TU and none from EX. I've deleted all collections from all reports except 1 collection for $30 from EX which is marked "in dispute.". I've had my mortgage deleted completely off EQ and EX, it shows on TU but no mention of Foreclosure.
I've added 15 new TL's, my latest being a $5000 Visa approval from USAA. I also have $2000 Visa from Providian and $1500 Visa from State Farm. Other cards I've been approved for are MATCU(local CU), Target, Dillards, Walmart, Carecredit, Lowes, Patelco Vacation Loan, Local furniture acct and an automobile loan.
My Fico scores now range from 655 to 670 and are steadily climbing. I hope to reach 700 in the next few months. My plans are to get a Mtg in May so I will just let my accounts age for now.
I just want to thank CB for being so patient with me and giving me the knowledge to be able to repair my credit. I even once posted that I thought my credit was beyond repair with 3 BK's, but with the help of CB I've accomplished that feat.
To all those that are just beginning your credit repair journey, don't give up. There will be times when you will feel overwhelmed, take a break and come back later but don't give up. If my credit can be repaired, anyone can.
Again, thank you CB from the very bottom of my heart.
Edited by Curious, 23 November 2005 - 08:05 PM.