The last item on my Trans Union report the creditor has agreed to delete. Yeah, now my report is completely clean with the exception of a few inquiries. I must say, this has been an exhausting two years to get to this point. I can't wait to see what my current score of 693 will go to after this last collection item is removed. I have attacked my credit restoration from every angle...disputes with the CRA, negotiations with the creditor, and the use of Lexington. I've done online disputes, certifified letter disputes and telephone disputes just to get to this point. With the help of this board, I've always stayed incouraged. Thanks for all of the valuable information.
Happy Dance for You...!!!!!! Keep us posted on the score... Can I ask what positives you have on your TU report? Thanks MartysGirl
I hope you have a lot of time to read this, because I have a lot of accounts. First Premier Bank - 500 cl Capital One -1500cl Capital One - 1000cl Pier One - 700 Express - 2600 Strawbridges - 2000 Target - 500 Kohls - 1000 Victoria Secret - 600 Spiegel - 1400 Ikea - 1700 Lord & Taylor - 1500 Bloomingdales - 800 Discover - 2700 Sears - 1500 Mortgage Householdbank Visa -1100 Car Loan -34,000 Home Depot - 1000 Baily Banks & Biddle -2500 HFC -6600
Wow, that doesnt look like the ideal 2 bank and 1 retail card ratio. Congrats on all the hard work. Mike G.
I know. Who knew about that perfect ratio thing before this board. Live & Learn My plan is to wait until about November and apply for a prime card such as Chase or BofA. If I get approved for a good credit limit I will closed most of these accounts. Keep in mind that even though I have alot of accounts, I am only carrying balances on about 5. Thanks for positive feedback.
