Thread: INTRO: CreditNet Testimonials!

Originally posted by patsy123

I just want to tell all of you wonderful people thank you. You have changed so many lives. I have used the imformation on this site to change my families lives as well as many friends lives. I am the mother of five children and I am sure that all of their futures have changed as well. I am certain that my children will be able to attend college. Because I and my husband are no longer in credit pergatory, we have the ability to become the type of family we deserve to be. It is truly sad that something like a credit report could have held down two hard working people like us, but it did. I purchased a home three years ago which I now have over 100,000 in equity and very decent credit scores.
I have a respectable amount of credit and also a decent amount of savings. We are secure against the wolf that could come to the door. I am attending graduate school and will have a masters degree and intend to get my Ph.D.

I have mostly been a lurker, and not nearly as aggressive as I should have been, but I finally made it.
I do think that there is a tremendous amount of value in doing it myself. It has made me damn sure that it will never happen again. Almost like making ammends. I Love you all. Your a group of pioneers who question everything! What a blessing you all have been to me.
God Bless

Great story. Thanks for droppin by James.

Originally posted by Jigsaw
Greetings all!

Stumbled across you guys a few months ago as I continued to research credit repair. I started 1 year ago last month and have gone from a 480 (no active credit and charge offs from 3-4 years prior) to 625 now. It would be much better had I found you guys back then instead of shooting in the dark as I was on my own.

I have some old paid in full CA listings that I wanted to get rid of, but they kept getting verified by the CBs, have made three attempts in the past year to no avail. In reading and reading here I found the Nutcase letter and thought "what the hell, it might work..." All "bad" TL were paid in full with out settlement (OUCH!) two years ago except for one.

NCO was listed for one TL with different names (NCO Fin., RMA, Risk Management Alternatives) all for the same paid in full debt, multiple times on each report.

Nutcase letters were sent certified on Monday (I sent a separate certified letter for each listing (5 of them for the same TL)), they signed for them on Wednesday, and here on Saturday I've already received a response from NCO stating that all accounts they had for my SSN were closed and that I should contact the OCs if I had any questions (dated Wednesday May 3rd). And oh, btw "In addition, please be advised that we have contacted the credit bureaus with which we do business with our request to delete our listing of the above-referenced accounts from your credit profile for the social security number we have listed in our records."

The one "active" that I had I told to go get screwed over the phone was for a company that I never did business with and which was incidentally bankrupt and out of business. After finding Creditnet I sent a DV letter, (contact only by mail, no phone calls to work, home etc or I'll sue); no response from them for two months now, but the TL was removed when I looked last week before sending out the Nutcase letters.

I wanted to pass along my thanks for the information that you all have posted here. You have changed the pen knife I was fighting with into a CA slaying sword.

Thanks again!

James.

http://consumers.creditnet.com/strai...599#post448599

I need nothing other than Creditnet to go from bad ($50K owed) to $500 secured cap 1 to $750K in credit (250 house, rest unsecured). And I still have to fend off the occasional collection firm. if you need to go elsewhere for info, you aren't reading and writing enough here ;)

cheers

First off, hello to everyone on this site.

I have been in the process of repairing my credit since February 2006 and have had good success so far. I have been able to raise my scores from all 3
CRA's from the high 500's to the high 600's.

I recently stumbled upon this site and saw the post about creating a Nutcase Letter from PsychDoc. I looked further into the post and saw the info about the Goodwill Letter by Marci and decided that creating a slightly modified version of this Goodwill letter would be a good solution for a problem I had been having with Bally Fitness and adjusting late charges that I had.

I had previously sent a couple of dispute letters to corporate with no progress. So I figured that I should go straight to the top instead. I e-mailed the CEO with my modified goodwill letter. By the next day I had gotten a call from the assistant to the president saying that they were adjusting all of the lates. 1 90 day and 5 120 day lates disappear. Amazing!

I'm Jhazline and a new member of the CridetNet, actually I'm reading all the testimonies in here. I have known that members of CridetNet are the best thing that has happened to their business in years.
I think the service that you and your staff have provided for them and their company is great. I am halfway there. I really enjoy talking with your staff each week and think they are great. Keep up the good work. I would recommend CreditNet services to anyone.

I just removed 3 tax liens. I just called the tax commission and they sent me letters and said, oops, our mistake.

I also removed an item included in a bankruptcy. I called the original creditor and said, "I am trying to get into a house and their is only 5 months left before the bankruptcy is removed from my credit. If you could please help me out by removing this, it may just give me the little extra boost I need to get my family into a house." She said she would remove it. We'll see.

Could someone let me know about really good credit card offers?
Elenora

Today is about three weeks from when I first started reading and using the information on CreditNet. Thanks to all of the advice here, today I received notice of my first real success. Equifax ScoreWatch notified me that my score has gone from 602 to 624. And it may have even been lower than 602 to start b/c I didn't get that score until about 2 weeks ago when I realized that the TrueCredit scores I was originally working off of weren't real FICO scores.

THANK YOU ALL!!!

Continued success. After the great information I received here on creditnet and the hard work I put in 6 months ago, My scores are continuing to go up. I started with FICO scores from 580-602, and now they range from 651-680. Last week I received pre-approval for a mortgage loan, and will be purchasing a home this year. I have no outstanding debt other than a couple of little store credit cards that I use on a regular basis, and I finally feel free!

Thanks again for all the great advice! My family members are now coming to me for help since they've seen this process work, so I'm sure I'll be in here looking for answers to more questions soon.

~MammaJ

I came across this site in January of this year after 2 years of trying to work on my credit blindly...at the time my credit score was 547. Believe me when I say, I spent ALOT of time reading through threads and posting myself. My fiance kept asking me what this site was all about that I was spending so much time on....but it paid off. Using the tips and stratagies I found on this site I was able to significantly and quickly raise my credit score. Today my credit scores are 672, 672, 676....and its only been about 4 months. This may not be typical results as I had a very good credit history for years, then let it slip, had 5 negatives on my report and NO credit lines open for about the last 4 years...which is what gave me such a low score. Once I got a few deletions and paid down the rest of my negatives, I got a couple small credit cards 300-500 dollar limits and I watched my scores climb. So today I applied for an auto loan at my local credit union (have been denied 2 times in the last 2 years at this same CU)...they called me up 24 hours after applying and said I was approved AND that I was also eligable for a 2k visa card through them (very good card 8% APR). I am far from being done with working on my credit and visiting this site....but I wanted to take the time to say thank you to everybody who helped me out.

So....Thank You!! I coulnt have done any of this without this site or the incredible people who spend their time on this site helping people like me. Your all saints in my book.