To the Board thanks so much for all you help On 7/1/2002 I had 27 neg items and 1 postive tradeline on EXP As of today 8/8/2002 I have 13 neg items and 3 positive tradelines (thats right 3) To those begining it can be done. Do not give up. I know that I will have to deal with at least 7 neg. items, they are student loans I defaulted on. So any advice on these would help. The other 6 will get theres in time. My score on EXP has not risen. Any ideas why?
What new tradelines did you get? Did you get some secured cards or something? And what kind of negs did you get deleted? Let's here some details, man! Great job!
Freddie making a mil (I hope you are or going to anyway) When I began, I only had a AU on an Amex from a friend. (I have never used it, and then got taken off, it still reports as good) They have great credit. Next positive is a Macy's charge off that I got them to reopen and rereport as pays as agreed never late. Have contact numbers for reps if anyone needs. Third (I am mad & happy at same time) I had a Providian that was charged off and purchase by The Credit Store (balance of 700) The sent me a Plains Bank Visa (Balance 700) This is what hurt my score. I will be paying this card off this month. Hopefully the score will go back up Now to the Deletions!!!! 1 judgement from Bell Atlantic Palisades Collection for AT&T 2 student loans (I said it was not mine, wish it worked for the rest) 2 Park Dansan for Sprint Sprint SNET phone bill (900.00) US Dept of ED (Student loan, they did not reply) Wachovia Bank (balance was 5K) Bank of America CC (2.8K bal) SNET phone bill (3K) RMA Nextel 8K Checkrite Check CA I thank everyone for Everything and let us all pray nothing get reinserted
Congrats kbanger! The scores probably won't rise that significantly until you get a little closer to the finish line. The last one is a huge bump; 50-100 points. I guess they (the creators of the score models) figure, "Once bad, always bad". So, don't give up hope. Just keep playing whack-a-mole with your CR's.
