ItsANewDay Posted October 10, 2016 Report Share Posted October 10, 2016 Put simply, I intend on chronicling my journey from Credit Repair Infancy to the day I am able to enjoy all the benefits of good credit. I have spent many hours reading this site and am finally ready to take the slow steps toward improved credit and more financial freedom. It is my hope that along the way someone is helped by my experiences and this thread. Along the way I will edit this post in a step by step manner so as to show the actions taken, progress made, and the time frame for which it happened. Thank you in advance for all of those willing to lend(pun intended) a helping hand! 1) Order all three CR's-----Oct 16 Eq---559 Tu---542 Ex---585 2) Signed up for Credit Karma and Credit Sesame to track Fako Scores. 3) Put all student loans and mortgage on auto pay plans for first of each month. (payment history a big ding for me) 4) Secured Credit Cards applied for-----Oct 16 5) Unsecured Capital One Journey with rewards CC approved with 2000 CL----Feb 17 6) Letters sent and one collection removed----March 17 7) Updated Credit Scores---May 17 Eq---629 Tu---633 Ex---656 3 Quote Link to comment Share on other sites More sharing options...
MikeW Posted October 14, 2016 Report Share Posted October 14, 2016 Good luck with your credit repair. I had it done by a company and it worked out real well for me within 3 months. Quote Link to comment Share on other sites More sharing options...
lindalee Posted October 22, 2016 Report Share Posted October 22, 2016 Which company did you use? And how much did it cost? Was it PAID after deletion? Quote Link to comment Share on other sites More sharing options...
BV80 Posted October 22, 2016 Report Share Posted October 22, 2016 14 hours ago, lindalee said: Which company did you use? And how much did it cost? Was it PAID after deletion? Be VERY careful when considering a "credit repair" business. 1. Does your state law require licensing of a credit repair business.? If so, is the company licensed? 2. Does the company require payment BEFORE any results are achieved? Most (if not all) credit repair companies CANNOT obtain the very same results as those obtained by a proactive consumer. If anything, they MIGHT benefit a consumer who doesn't want to be proactively involved in his own credit repair. Quote Link to comment Share on other sites More sharing options...
ItsANewDay Posted October 29, 2016 Author Report Share Posted October 29, 2016 Secured Credit Cards applied for. Quote Link to comment Share on other sites More sharing options...
ItsANewDay Posted November 12, 2016 Author Report Share Posted November 12, 2016 Forgot to add originally that I put student loans(7 individual payments is what shows) on auto pay after catching them up. Fako scores already rising. Quote Link to comment Share on other sites More sharing options...
ItsANewDay Posted February 9, 2017 Author Report Share Posted February 9, 2017 Credit utilization was big problem. Applied and received unsecured CC with 2000 CL. Quote Link to comment Share on other sites More sharing options...
tapuoutfp Posted March 10, 2017 Report Share Posted March 10, 2017 WHAT CREDIT CARD DID YOU GET APPROVED FOR with a 2000 cl? thanks for any info Quote Link to comment Share on other sites More sharing options...
ItsANewDay Posted June 4, 2017 Author Report Share Posted June 4, 2017 On 3/10/2017 at 2:29 AM, tapuoutfp said: WHAT CREDIT CARD DID YOU GET APPROVED FOR with a 2000 cl? thanks for any info Sorry, been away a while. It was a Capital one Journey card. Quote Link to comment Share on other sites More sharing options...
ItsANewDay Posted June 4, 2017 Author Report Share Posted June 4, 2017 Update. Have made all payments on time and have had one collection removed from CR's. Admittedly I could have made more progress at this point, but it has been a crazy year with my new job. I do at least see the light at the end of the tunnel now and hope by this time next year to be where I need to be. Updated Scores Eq---629 Tu---633 Ex---656 Quote Link to comment Share on other sites More sharing options...
Studentgotinoverhead Posted August 25, 2017 Report Share Posted August 25, 2017 On 10/14/2016 at 4:08 PM, MikeW said: Good luck with your credit repair. I had it done by a company and it worked out real well for me within 3 months. MikeW, could you please share what company you used? Thanks Quote Link to comment Share on other sites More sharing options...
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