I had been messing with our credit files for a couple of months before finding this site. After reading the postings for hours I was able to achieve more in three weeks than I did in the three months before! In April of this year my FICO was at 525 and my wife's was around 570. She had 29 derogs across the three CRA's, I didn't have any, but only had two years of credit after coming here from Britain. After getting the derogs removed her score went up to 732 and mine improved to 723 with a bit of effort. In the past two weeks we have obtained: 1. Amex Blue Cash - $20,000 @ 8.98% 2. MBNA - $5,000 3. Discover $7,5000 4. Amex Gold and finally today: 5. Home Equity Loan from Wells Fargo Bank for $250,000. Now it's time to say goodbye to Providian and their 28% interest rate. I guess it would fair to say that CreditNet has helped us big time, for which I am grateful. Good luck to you all! Neil
It took three months in all - by the time we found CN we were both up to around 625 - she still had half the derogs which I would never have got off without the knowledge I obtained here and our score improved about 70 points from paying off three credit cards, and disputing the balance on the largest as it reduced credit utilization from 90% to 1%
Hi Neil, Huge Congrats my friend. Sounds like you're saying goodbye. We hope you'll stick around and help those who are newer. Even if you don't, would ya mind bouncing over to: http://consumers.creditnet.com/stra...id=52490&highlight=creditnet+AND+testimonials ... and updating that thread. Thanks, and good luck. .
