Thread: INTRO: CreditNet Testimonials!

CREDITNET TESTIMONIALS

Success stories abound, but are sprinkled throughout this site, making them hard to find.

Wouldn't it be helpful to have one place to put testimonials about how CN has helped you, so we can easily locate them (and bump when necessary) for newer memebrs!?!?


Dmplz618 gets the first one.

-Thank You CreditNetters!!!

Originally posted by dmplz618
I just wanted to thank each and everyone of you that contributed to my success in finally cleaning up DH's and my credit reports. We have been approved for up to $320,000 for a home loan in Northern VA. It is a 80/20 loan with NO PMI and we only have to come out of our pockets with no more than $2500. It took me 1 1/2 years to accomplish this task but I did it with all of your help.

Huge Congrats Dmplz!

No one knows more about where your testimonial is than you, so you might just want to go find your own success story and copy/paste it in here.


:)

These are my successes so far, im pretty close to done. These are ONLY the successes I posted. Most gratitude to this site:

6-21-03
Wow!
I got some good news from Equi-freaky....
8 Inquiries gone!

funny since they just sent me a letter asking for more ID stuff...

this is my first ever deletion, im pretty psyched!

thanks Cnet

7-19-03
Im writing this because the most useful threads Ive read are the ones that start from the beginning and show the final result.

This ended with deletion of all 3 Credit Bureaus and Chex.[

Its not the ultimate ending, I had to pay the 140, but it is positive.

I only hope this helps others.

I never would have pursued this except for knowledge and courage ive learned here...

9-5-03
Experian deleted 2 paid CO's!

Im psyched

i expected the one i just threw the other into the mix cuz, well, why not!

I expect(hope) the other 2 CRA's follow suit.

Im really tempted to spend a little and check my FICO scores for all 3. Im afraid it may deflate me cuz i just opened 2 new accounts and have 4 new inquiries.

Only thing left on all 3 is a paid to Credit Protection Associates for approx $150. These guys are bastards about it, i disputed with cra's once and they just updated as paid. Nutcase or Dancerat technique?

Any thoughts?

Again, thanks Cnet

9-26-03
I received a fax back 2 days later saying the tradeline will be deleted from all Credit Bureau's!

special thanks to DanceRat


fweem


THIS SITE IS INFORMATIVE, SUPPORTIVE, AND OFFERS REAL-LIFE INFORMATION. ITS AWESOME!

Thanks for allowing me to quantify this...

Ok I'm game.

When I started my credit repair I was pretty much clueless till I found this site.

I was stuck at a 545 (ick) and couldn't even open up a checking account my score was so low.

Now, a year later my scores average in the 720-750 range depending on what all is showing.

Got 3 new CC's. Waiting for another year to roll around so I can get an AMEX BLUE.

Then I'll call it quits!

When I found Creditnet I was in the low 500's
and had about 17 really bad derogs including some
judgments and collections. That was in Oct 2002.
In August of this year I got my fico up close to 700
and was able to get a pretty decent conventional mortgage to buy my house. This month I'm closing
on another mortgage loan, this time for an investment property. I still have 2 stubborn derogs that are a few months from falling off. My score is in the low 700's :)

It took a lot of letter writing, burning some midnite oil a couple of lawsuits and quite a bit of grief but I got it done.

My advice: Pay cash whenever you can, stay out of debt, live within your means and put some money away every month for a rainy day.

THANKS CREDITNET!

Found this site late in 2002 after a chapter 7 discharge. I lived on this site for months using every trick I could find. Three months later, I had my first house with an FHA loan. I found an endless supply of tips, tricks and advise and I'm still looking.

THANKS TO ALL, BOTH PAST AND CURRENT!

I'll bite, but I don't have any huge success stories like a house yet. DH's scores were in the 400's and mine in the 5's. I'm stalled right now as I have recent (1 yr old) CO's that I'm saving money for. BUT!

My small success was just the other day. I called as it has been 1 year since I started an auto policy - I found out we were rated at R on a scale of A-Z, but they reran our cr's and we are now way up the scale, and our auto policy is going from $310 per month to a little over $100 per month!!!!!!!!!! That's $200 a month I can put in the cookie jar for my CO's.

Hey George, I know your thoughts on cr's and car insurance, but I thought I'd mention, they pulled a soft.

FWIW even though my job is not done yet, thanks to CNET I do know how to get the job done!

I started my credit repair in early 2002. I didn't know about this site until 5 months ago and creditboards was not up and running until a year after I started. I got alot of bad information about credit repair and rebuilding through other places.

My FICO scores were in the lower 400's, I have a FICO score printed out that says 424 from early 2002. I can't say I owe it all to creditnet but I wish I would have found this site early on. Bad advise here will be corrected right away, unlike other places. I could have saved myself months of trouble that I read other places. I only post my scores to show others what can be achieved here with alot of work.

Creditnet rocks though!!!

After 1 month I have accomplished much.

TransUnion:
BK
BK
BK
Judgmt
Judgmt
Judgmt
Judgmt
Judgmt
Judgmt
Judgmt
Judgmt
Judgmt
Collection
Collection
Collection
Collection
Collection

Equifax:
BK
BK
Collection
Collection
Collection
Collection
Collection
Collection
Collection
Neg Acct
Neg Acct
Neg Acct
Neg Acct
Neg Acct
Neg Acct

Experian:
BK
BK
BK
Judgmt
Collection
Collection
Collection
Collection
Collection
Collection
Collection
Collection
Neg Acct

Is that cool or what?

Thanks Mega Shake!......err..I mean CreditNet!

SnakeMan

went from all low 500's..
to mid 600's (high utilization, the installment loans, and many semi-new accounts making stuff low..along with a few new looking medical TL's hehe)

i could get no credit cards, had to get a car loan at 19%..ouch...tons of negative TL's from 1997 on up.

But now I only have a few negatives left, they are medical.

without being too specific, thanks to CreditNet members i now have:
3 mastercards 2 with 3k limits, 1 with only 600
2 retail cards , one 4k limit, the other 1k
2 gas cards, 300 dollar limits each
2 personal unsecured loans
1 personal secured loan
1 car financed at 0% interest through gmac

thanks butch.
one bit of advice I'd give anyone starting out on the credit-cleaning journey is ...PATIENCE. It don't get better overnight.

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