Howdy,

I'm only at the beginning of my journey to clean up my credit, but already I've gotten fantastic results! I walked into this knowing diddley, but I've learned so much the past months here at CNet. I learned about goodwill letters and shot one off to MBNA and got a 30-day removed.

My biggest success thus far has been the removal of a chargeoff from Swiss Colony. C-netters helped me with my letter to the OC (thanks especially to cinderella!). It took a couple of months, but I finally received a letter from Swiss Colony stating that they believed the account had been opened fraudulently and they were taking the necessary steps to remove it from my credit reports. Whoo hoo!

I checked my PG scores, and EQ jumped from 574 to 607, and EX from 574 to 614! Still waiting for TU. I am so happy that this is finally being taken off! It was the worst thing on my report. Pardon me while I do a little dance by the computer.

To all those just starting out: it can be done! Thank you all for your help, I would not have been able to do this without all you friendly C-netters!

Congrats Sharbar.

I'm glad it worked out for you.

:)

__________________
___________________________
Tugging at my skirt:
"Mommy mommy, how much is that canary in the window?" my cat

Check out my new scores in my sig! This is only 5 months after my Ch. 7 bankruptcy discharge!!!!

__________________
Starting my credit repair.
**********
10/15/03 - BK Ch. 7 discharged
11/1/03 =
EQ- 558 EXP- 537 TU- 501
4/3/04
EQ- 649 EXP- 599 TU- 613
EQ- got the BK CH.7 deleted in dispute 3/30/04
*************

I'm completely ecstatic!

My very first ever dispute was completely removed from EQ and I received the updated CR today. I think I'll frame it. (lol) I have many more public records and CA to still work on but the surprising thing was this was deletion was with Certegy for an unpaid account that only the good Lord and I knew was completely unfair and truly should have resulted in me filing a lawsuit! I can't say I'd win in court, but the fantasy made me feel better emotionally about allowing myself to be a victim of a car salesman.

I can hardly wait to pull my FICO, but can't afford it just yet.

I want to publicly thank Hiding90for personally helping me. I truly could not have done this without his help. Man alive you are the BEST! Thank you to ALL CNers. I've reading obsessively for weeks now.

I'm doing the happy dance. :-)

I am so happy that i found this site. My score was 550 and now is 700 which enabled me to finally own a home. I am in the process of having my home constructed which is very exciting. I never thought this could be me but with this sites information i am now a homeowner. Much thanks to beta--you know who you are!

where shall I begin?

started looking up FCRA and found a site called FCM which led me here, gathered enough info from soem very intelligent well informed resouceful people and started to help my BF clear up his report.

when I started the task it was 11/03 between all 3 reports there were 12 neg about 16k worth.

as of today 4/21/o4 all are gone except one which is pending a lawsuit. best part only had to pay $54.00 thats it. I used various means to get them all deleted. so im curious what the fico is now havent looked yet waiting to finish this last acct.

then there is my report had 8 neg on exp 0 on TU and 3 on EQ im down to 2 neg on exp and 0 on eq
dont know my score yet either I do have deletion letters for almost all these accts so incase they come back I wont be haunted for long.

thx guys I couldnt have done this w/o your help. i just wish I knew more about the laws & these suits before would have helped me pocket some $ for my troubles.

so to all there is hope be persistant !

I just posted about being approved for my first house...thank you sooooo much to everyone at this site, which informed me more than anything has in the past. I seriously think of creditnet.com as the wise advice I should have received fom my dad, but didn't!

My first visit was May 2003 and I've wiped all the derogs from my report, opened a prime card, and now am moving into a new house!

Most of all, I have knowledge I never had before and can teach my kids about credit wisely, since I learned nothing at home.

Thank you to all who helped me over the past year and God bless you!!!!!!!

I am a longtime lurker. I started to get serious on creditrepair at the first of this year. My credit was ruined. Check this out.

EQ: 32 negative accounts $38,000 TA debt
EX: 38 negative accounts $42,000 TA debt
TU: 42 negative accounts $48,100 TA debt

Each Bureau had 2 judgements also. I know this is ridulous, but I was foolish and most was not mines to begin with. So, I started disputing and re-disputing. Here is results as of today.

EQ: 11 negative accounts $7,485 TA debt
EX: 15 negative accounts $15,000 TA debt
TU: 12 negative accounts $16,200 TA debt

No Judgements.

I know I still got work to do. 5 of the negative accounts on Each Bureau are Medical bills for stepdaughter. There is One charge-off from household that I was able to get EQ but not off the other two. I am not sure how to get these last little bit off, but I am working on it. EX and TU wont reinvestigate previous investigations.

I have not gotten any new credit to boost my scores yet, but I am getting there.

Thanks everyone for helping me with their posts.

Just an FYI to sassy, butch, LK and all.

went to small claims court today and prevailed :)

a settlement agreement was reached and the judge awarded me $ 3,057.00 for damages and stipulated that I should recieve payment no later than wed of next week prior to 5 pm and I would be getting a deletion letter from the Ca.

whoo hoo !

thx 2 all who helped me through this stress!

Just an FYI to sassy, butch, LK and all.

went to small claims court today and prevailed :)

a settlement agreement was reached and the judge awarded me $ 3,057.00 for damages and stipulated that I should recieve payment no later than wed of next week prior to 5 pm and I would be getting a deletion letter from the Ca.

whoo hoo !

thx 2 all who helped me through this stress!

New member Trek8500 writes:

Be sure to see the FAQ

:)

__________________
Butch,

"Fire is the test of Gold, adversity of strong men".[/b]

:-)

Originally posted by DukeaK
Just wanted to update, my tax lien has finally shown as paid and released on my credit reports, I checked my scores today they went from low 500's and currently are TU598 EX600 EQU656...This is getting addicting I am thankful to this forum for all the info...

How did u successfully dispute the ch7 and get it removed?

I am new to this site and trying to remove one from that was placed as a result of bad business venture from my deceased husband.

It is showing discharged in 1997.

How did u successfully dispute the ch7 and get it removed?

I am new to this site and trying to remove one from that was placed as a result of bad business venture from my deceased husband.

It is showing discharged in 1997.

******************************************************
NEW MEMBERS READ THIS.
http://consumers.creditnet.com/strai...243#post410243
******************************************************* You need to start your own seperate thread on this where it's more likely that others will see it.

__________________
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
http://consumers.creditnet.com/strai...243#post410243
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

They never take it off the report when we make it right so why should we take it off the docket when they do?

******************************************************
NEW MEMBERS READ THIS.
http://consumers.creditnet.com/strai...243#post410243
******************************************************* You need to start your own seperate thread on this where it's more likely that others will see it.

__________________
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
http://consumers.creditnet.com/strai...243#post410243
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

They never take it off the report when we make it right so why should we take it off the docket when they do?

Just thought I'd update everyone......


After my first round of disputes I've had 24 accounts removed from DH's file and 9 from mine. Over 12K in balances have been removed and I have a 2K settlement offer from a violating OC in the works.

Thank you to ALL who have helped me over the last 8 weeks.

__________________
Shanyl

"Motivation is like a fire; unless you add fuel, it goes out."

Sorry ... double post.

__________________
Shanyl

"Motivation is like a fire; unless you add fuel, it goes out."

NICE

__________________
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
http://consumers.creditnet.com/strai...243#post410243
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

They never take it off the report when we make it right so why should we take it off the docket when they do?