Texan Posted October 2, 2007 Report Share Posted October 2, 2007 Well it's only been 4 months and I can't believe what I've been able to achieve.I started my credit repair in May and my fico scores were all in the low 500's. After reading lots of information on this site my scores have now risen to TU 697, EXP 741 and EQ 751. I removed the last collection on my EQ CR last week and my score jumped from 677 to 751 I couldn't believe it. I still have 3 CO's showing on my other two CR's and I'll work on them. This is what I have managed to get approved for so far:-Hooters - $1100Chase Freedom - $3500Patelco - $2500Citi Financial (Ashley Furniture) - $6500Citi (Home Depot) - $7500I decided to try and buy a new car. I applied to Cap 1 online and was approved for a 9.45% interest rate over 72 months, not the greatest rate but I couldn't really complain.I knew I wanted a Mazda CX-9 so went off to the dealership with my blank check in hand. I fell in love with the Grand Touring and haggled quite a good deal. When I told the dealership I had finance in hand they were all over me. They offered to try to beat my current deal on the finance and I let them try although I didn't tell them what the interest rate was.I managed to get 6.95% over 60 months with Velocity Credit Union and boy was I happy, couldn't believe it.Anyway that's my story so far and I'd like to thank CIC and everyone who contributes on this forum. You have all been so much help and I couldn't have achieved what I have done so far if it wasn't for you guys.Credit repair takes time and I feel I have achieved a lot in such a short space of time. My CR's looked horrendous 4 months ago and now I already have one completely clear report. Link to comment Share on other sites More sharing options...
clove610 Posted October 2, 2007 Report Share Posted October 2, 2007 :BigDance:CONGRATULATIONS!!! You give me hope. Keep up the awesome job. Link to comment Share on other sites More sharing options...
lavs412 Posted October 2, 2007 Report Share Posted October 2, 2007 Congrats Texan....good luck with your new wheels!! I agree with Clove, you have given me hope!::rockon:: Link to comment Share on other sites More sharing options...
Moriah4 Posted October 2, 2007 Report Share Posted October 2, 2007 WTGBrightest BlessingsMoriah Link to comment Share on other sites More sharing options...
Fizzle1979 Posted October 2, 2007 Report Share Posted October 2, 2007 Well done my fellow Texan!!! Link to comment Share on other sites More sharing options...
Donna47129 Posted October 2, 2007 Report Share Posted October 2, 2007 GREAT JOB!!I know you are proud! Link to comment Share on other sites More sharing options...
whocares Posted October 2, 2007 Report Share Posted October 2, 2007 I was able to do the same thing...it's all because of the great advice here..Congrats on the new wheels and new CL's Link to comment Share on other sites More sharing options...
SugarNspice Posted October 3, 2007 Report Share Posted October 3, 2007 Congrats!! I know it's a great feeling to be in control once again...This site rocks!!!!! Link to comment Share on other sites More sharing options...
zfire Posted October 3, 2007 Report Share Posted October 3, 2007 I just love reading all the great success stories!Congrats! Link to comment Share on other sites More sharing options...
skybluepink Posted October 3, 2007 Report Share Posted October 3, 2007 Enjoy! Link to comment Share on other sites More sharing options...
lolah Posted October 3, 2007 Report Share Posted October 3, 2007 That's awesome! Can't wait to follow in your footsteps! Link to comment Share on other sites More sharing options...
rebuilding Posted October 5, 2007 Report Share Posted October 5, 2007 How do you get collections deleted, is it just a matter of time when you say you awere able to get it off? thanks for any help Link to comment Share on other sites More sharing options...
lisajt66 Posted October 5, 2007 Report Share Posted October 5, 2007 CONGRATULATIONS!!! Link to comment Share on other sites More sharing options...
iffaj98 Posted October 5, 2007 Report Share Posted October 5, 2007 How Exciting!!! I Can't Wait To Walk In Your Shoes! Link to comment Share on other sites More sharing options...
pointman Posted October 5, 2007 Report Share Posted October 5, 2007 Good Job!Every success story should include a "method". Inquiring minds want to know; "How'd you do that?" Link to comment Share on other sites More sharing options...
Texan Posted October 5, 2007 Author Report Share Posted October 5, 2007 Thanks guys for all your congrats.Nice car Pointman. Mine is black.I managed to remove all my collections by disputing them as "creditor agreed to delete". Stupid me paid them last year when I needed to get a mortgage and before I found this wonderful site. One of the collections took a couple of disputes (Cavalry for a $300 Sprint cell phone bill). TU and EXP deleted first time but those lovely people at CSC decided to make me work.I disputed the DOFD date second time around and low and behold it disappeared. So now my EQ (CSC) CR is completely free of baddies and my FICO score jumped 74 points with the deletion of that last collection.You guys can do the same just keep at it and good luck to everyone in their quest for good credit. It will happen. Link to comment Share on other sites More sharing options...
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