My overall credit repair success

[scorch]

Hello, all. It's scorch again with another success story.

In order to make a long story short, I started out with 4 negative accounts and now I have two positive accounts. Here's my story;

How having bad credit held me back

Around four years ago when I was about 18 years old, I did some pretty dumb things such as jumping off a moving train breaking my arm and riding in a car without a seat belt which crashed into a median. This immediately gave me a ~$4,000 debt. Since I was an adult and had no one to help me, I moved out of the state. Then I moved out of the city then left that city, then the state and then the city and state again.

Every once in a while I would apply for something such as a cell phone service, thinking that I know how to pay my bills, in order to receive a free cell phone. Of course I was denied for some reason. I also applied for an auto loan at one time and was denied for that.

After saving some money and while trying to move into my OWN apartment and no where else to go, the apartment complex that I looked into moving into did a hard pull on my credit and I was denied a place to live. (Well I could have stayed at a hotel/motel, but then I would be broke.) Upon further review of my situation, I was allowed to live in one of the apartments. Luckily I was able to get my mother to co sign who rarely helps me out financially anymore since I'm an adult.

Aware that I was in some kind of debt, I looked into ordering my CRs. When I received them, I couldn't help but stare at what was holding me back all these years, 4 unpaid collection accounts. With the idea that there must be something I could do, I turned to the internet for help. Lo and behold here it is, "Remove Collection Accounts".

Now I know I can pay my bills. I knew that these items shouldn't be on there nor did I deserve for them to be there. Using a few hundred dollars that I had in savings, I went ahead and got a secured credit card. I have been able to pay in full on time ever since I opened the account.

How I dealt with the CAs

Since I moved from city to state to city so much, I was rather difficult to track down and/or get a hold of. Therefore, I had a LOT of previous addresses on my credit reports. I did not like that, so what I did is disputed them as having no knowledge and they fell off like flies.

I paid the first CA with money from my savings requesting a deletion. They said OK, but it came back. It did show up as paid. I heard that disputing these can have them removed and I did just that, I disputed it and it was removed.

With the next two CAs, I contacted the original creditor instead who offered me a loan free of a credit check in order to pay the debt. They deleted the two accounts.

As for the fourth one, I was willing to pay them, but I 1 2 punched them and I never heard from them again.

So now after this experience, I have been extremely anal about how my credit looks.

THE END

So, that is my success story. I hope you had as much fun reading it as I did writing it. Good luck to you all who may be in a similar situation. This process does make it possible to highly improve your credit and best of luck to you in your efforts.