merekelly Posted February 17, 2007 Report Share Posted February 17, 2007 Hi everyone, Just wanted to let everyone know that I managed to get an UNSECURED card from Orchard bank 5 months after I started this whole process. Mind you, I applied for it before I started reading this forum and applying it, and got denied. Now I'm regularly getting reports from the CRA's deleting collection items and putting my OC's on my positive listings. SO my credit score has gotten so much better. I have to let you know that 5 months ago, I didn't even want to look at my credit report, I just knew that it would look horrible and I felt I couldn't do anything about it. Now thanks to this site and forum and for everyone's contribution and the lovely search option, I am going to a NACA meeting to see about buying a house. Oh I am so happy. So don't give up and keep going. Success is beautiful. Link to comment Share on other sites More sharing options...
gypsie Posted February 17, 2007 Report Share Posted February 17, 2007 feels good doesn't it?!! Link to comment Share on other sites More sharing options...
merekelly Posted February 17, 2007 Author Report Share Posted February 17, 2007 Yep, I feel freaking awesome. Now I'm sending off 4 more follow up DV letters before I take further action on CA's in Equifax. I've gotten a couple of letters that did validate but they at least I can bargain with them. DON'T GIVE UP!!!The big thing for me is not only deleting, but adding positive tradelines, which I intend to do by opening a couple of credit cards - accomplished with the Orchard bank unsecured and one local bank secured. Opening up a loan account - accomplished by obtaining a share secure loan with my local credit union. And now onward and upward. This feels great and trust me, I will never make the same mistakes again. Link to comment Share on other sites More sharing options...
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