Hi, When I started this credit fixing thing back in January, I did not know about this board and just figured paying off my cc's would raise my score. When I started I had: EQ: 3 late pays 603 EX: 3 late pays 606 TU: 2 late pays 686 fako today i have: EQ: 0 late pays (last one im disputing) 703!!!!!! EX: 0 late pays 668 (this will go up when amex reports my $2500 payment) TU: 1 late (somehow they validated it in 2 days) 724 fako When I do the simulator on equifax, if i pay off the balances I owe (15k), I will have a score between 801 and 816. THAT IS CRAZY... So anywhoo, hopefully Fleet wont validate the late since they sold the acct and my record will be clean on 2 agencies. Any ideas what I should do on the TU late? Also, right now I am paying 9.9% on my car loan ($12500 left). Should I do anything with this? I currently have almost 0 inquiries on any report. Thanks this board has really helped me out and I hope I have helped someone too. Don't worry I am staying forever! Allen
Congratulations Allen!! Success stories help give the "newbies" reassurance that they too can have good credit one day soon. Charlie
Good show, Allen! I would like to know how you began your credit repair journey. Did you start by disputing the lates with the CRA's?
I wrote Key Bank and Discover a nice goodwill letter. Key Bank removed and let me know, Discover did nothing. Course Key Bank is fully paid off, Discover has been closed since 1999 and I am still paying them LOADS of interest.
anyone with any advice on my initial question in bold above? should i risk the inquiry to see if i qualify for a refi on my car? right now its 9.99%, if it went to 5.99 would it really make a diff? the online calculators seem to say no.. thanks, allen
