MaxedOut Posted January 2, 2008 Report Share Posted January 2, 2008 In 2 months I was able to get all 5 collection accounts and 1 judgement removed from my file. After that, I had 0 accounts (just as bad as having bad credit!). So, I got a secured card, secured loan, and crown jewelers account. That was back in sept and I still have 2-3 months to go before I get a fico score! The waiting for credit history is driving me more crazy than the cleaning process did!Anyway, just wanted to vent a bit. I am very happy to have no negs on my report, just sucks having no credit and having no other option but to wait.On a good note though, Crap One is finally reporting on my experian as an AU and I was able to pull my EX fico... 732! That will soon go away though with the new scoring system. Hopefully there is a huge problem with it and they have to delay that change for awhile Link to comment Share on other sites More sharing options...
someonesomewhere Posted January 9, 2008 Report Share Posted January 9, 2008 How are you fixed for a car? Link to comment Share on other sites More sharing options...
insomniac Posted January 9, 2008 Report Share Posted January 9, 2008 In 2 months I was able to get all 5 collection accounts and 1 judgement removed from my file. After that, I had 0 accounts (just as bad as having bad credit!). So, I got a secured card, secured loan, and crown jewelers account. That was back in sept and I still have 2-3 months to go before I get a fico score! The waiting for credit history is driving me more crazy than the cleaning process did!I understand where you're coming from, believe me... I'm sure many of us do! I've been approved for several new accounts in the last couple weeks, but only one (Old Navy) has started reporting. I'm anxious to get 5-6 months of new positive history on my reports so I can get this show on the road already! Link to comment Share on other sites More sharing options...
andbowd Posted January 9, 2008 Report Share Posted January 9, 2008 Thanks. AB Link to comment Share on other sites More sharing options...
MaxedOut Posted January 10, 2008 Author Report Share Posted January 10, 2008 How are you fixed for a car?I paid cash for my car, but I have been contemplating on buying a newer car. I think I will wait another 6 months to a year though just to make sure I get a decent rate to start out with. I was scared to look at and work on my credit for the longest time before finding this site. Had I known what I know now I would have made payments on the car for a year to 2 just to build credit, even if it costs me somewhat high interest.Thanks. ABUmm...... you're welcome? Link to comment Share on other sites More sharing options...
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