DB_Cooper Posted January 19, 2005 Report Share Posted January 19, 2005 I found this site last night and it will likely be my new home for next several months.Like some here, I have wasted money on various places like the Lexington Law Firm and others that said they would help me but in the end did very little.Right now I'm on disability and unable to work, so I decided that now would be a good time to use all of this slack time and finally do something about my credit.Paying any of my outstanding debts is just out of the question and I'm seriously considering a Chapt 7 BK, but I would also like to scrub all of the derofitory stuff off, if at all possible.Also, haw many here have bought the book and has it told you anything you did not already know?Is it worth the $25 or so it costs?How many people here have taken their credit scores from the middle to low 500's to anything above 620?That seems to be the magic cut-off point for rejoining the real world.Thanks! Link to comment Share on other sites More sharing options...
miracle Posted January 19, 2005 Report Share Posted January 19, 2005 Welcome DBCooper! Glad you found us!I would say the book is most certianly worth it.. It lays it out and is a good item to reference. When I started about a year ago I believe I was in the 560s. Right now I am at 660-670.. so it is possible. I have heard of others having more progress starting at lower scores, I think you will find all sorts of situations on these boards. Hang in there and good luck! Link to comment Share on other sites More sharing options...
DB_Cooper Posted January 20, 2005 Author Report Share Posted January 20, 2005 Thanks for the warm welcome Miracle, I'll grab the book then and start reading.I'm glad you mentioned the progress you made in your scores. That gives me encouragement.Like I said, I have the time (oh BOY do I have time) and a burning desire to wipe my slate clean. Link to comment Share on other sites More sharing options...
J_Snow Posted January 20, 2005 Report Share Posted January 20, 2005 just remember-its not a quick process. It took a long time to get your credit messed up and it will take some time to clear it up. Hang in there and good luck! Link to comment Share on other sites More sharing options...
bigdaddyroy Posted January 20, 2005 Report Share Posted January 20, 2005 Welcome abroad DBCooper! Glad you can join us! Yes that is defintely a good book. Good luck on your endeavors to fix the credit. Link to comment Share on other sites More sharing options...
workinninetofive Posted January 20, 2005 Report Share Posted January 20, 2005 Hello, welcome. Link to comment Share on other sites More sharing options...
tropicaljo Posted January 20, 2005 Report Share Posted January 20, 2005 DB, well I must confess... I've never been able to afford to buy the book, but this site has become a part of my daily routine. I spend about 2 hours a day here just reading the posts. When I started working on my husband's and my reports, ours scores were literally "0" at all three reporting agencies. A week ago, we applied for a home construction loan and hubbies score at EX was 701. Still waiting to hear on the loan, but we did the happy dance when we heard that hubby finally made it to the 700 club! We started getting results with the first round of letters and it took about 9 months to get all the negatives off except for a chapter 11 that EQ refuses to remove until the full ten years elapse for reporting. (Chap. 11's mostly come off after 7 years.) Anyway, we spent a total of about $60.00 in postage to get a total of 11 negatives removed, and it was all because of Credit Info Center and the great information they provide! Read, read, read. Then go for it! I've seldom had so much fun or felt so empowered! Link to comment Share on other sites More sharing options...
5150 Posted January 20, 2005 Report Share Posted January 20, 2005 you are right on when you sat you have time now. i am in the same boat as i am on ss retirement. i started cleaning up my credit when i filed bk7 last march. you can see my results in my sig block. i was a long time lurker but i decidec to post a few days ago. Link to comment Share on other sites More sharing options...
miracle Posted January 20, 2005 Report Share Posted January 20, 2005 5150!!!! So glad you are posting! Looks like you have some great results! Congrats! Look forward to seein' ya around the boards Link to comment Share on other sites More sharing options...
Rezin Posted January 20, 2005 Report Share Posted January 20, 2005 How many people here have taken their credit scores from the middle to low 500's to anything above 620? ME! I started in March with opting out, then started my repair in earnest in July. I was below 550 on all three reports. I have been very lucky I think. I pulled my real FICOs on the 17th, and saw i had a 705 on EQ (With 3 inq and semi-high util%)It can be done. Just don't get frustrated and give up. There will be setbacks.......... Link to comment Share on other sites More sharing options...
DB_Cooper Posted January 22, 2005 Author Report Share Posted January 22, 2005 Thank you ALL!This is VERY encouraging to hear all of your stories. Link to comment Share on other sites More sharing options...
faith67 Posted January 24, 2005 Report Share Posted January 24, 2005 What book is it? Link to comment Share on other sites More sharing options...
blrogs Posted January 25, 2005 Report Share Posted January 25, 2005 This site does work! Istarted at around 549 and havent checked in 3months but was at 675 at that time. Good luck and welcome! Link to comment Share on other sites More sharing options...
DB_Cooper Posted February 1, 2005 Author Report Share Posted February 1, 2005 Progress report:Experian: I was unable to request my report on-line so I mailed in my request today.TransUnion: Requested and got a report on-line and then disputed EVERYTHING online.Equifax: Requested Online, will have to mail in disputes. Link to comment Share on other sites More sharing options...
DB_Cooper Posted February 1, 2005 Author Report Share Posted February 1, 2005 This place seems to be one stop shopping.https://www.annualcreditreport.com/cra/index.jspMaybe someone will find that link useful. I wished I would have known about it a week ago. Link to comment Share on other sites More sharing options...
RedDog Posted February 1, 2005 Report Share Posted February 1, 2005 If you have been denied credit, which I am sure all of us have , you can call the CRA's and request a copy of your report for free. It takes about a week to receive it in the mail.TransUnion - 800-888-4213Experian - 866-200-6020Equifax - 800-997-2493And also you can signup for the credit watch reports. The one I use daily is PrivacyGuard. You get a 2 month "trial" membership for $1. After that it cost $12.99/mo. Well worth it if you ask me. If you can't afford that you can signup for another trial period by using a different credit card number.Good luck and keep us posted witrh your results.RedDog Link to comment Share on other sites More sharing options...
RedDog Posted February 1, 2005 Report Share Posted February 1, 2005 Also for all newbies, make sure you read the information and abbreviations in the main area.Good luck.http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=3838 Link to comment Share on other sites More sharing options...
DB_Cooper Posted February 1, 2005 Author Report Share Posted February 1, 2005 Thanks RedDog. Link to comment Share on other sites More sharing options...
Recommended Posts