My credit repair challanges and success

[ShoreUwouldinNJ]

So Im trying to not put massive post everywhere on this board. So I thought this might work.... Now to this reason we are all here….

I filed Jan 15, 2010 had my creditors meeting Feb 22, 2010 and as of this Friday April 23, 2010 the creditors can no longer “dispute” my bankruptcy. I guess I will be notified when the discharge will take place. Hopefully soon!

I have completed both credit counseling sessions and am currently working to clean up my credit reports. The week before I filed my credit score was 556 on Experian I believe… not sure about TU or EQ… but as of Feb 22nd, 2010 All three of my credit scores went to a 521. Last month I disputed information and accounts on all 3 of my credit reports and when I received the updates these past 2 weeks for I was informed that Experian deleted one item and none of my personal info updated. Equifax no items deleted all of my personal info updated and Trans Union all my personal info updated 7 deleted items and 3 items that said they were no longer on file.... i don't know what the "NO LONGER ON FILE" means but if it means a deleted item then I have 10 total. I finally got to do an online dispute for EQ today (that site wasn’t working when I was trying to use it before. I disputed all my inquires and all my negative accounts. Surprisingly I had very few accounts on there I'm not sure why. But once these two disputes are figured out with EQ I’ll update on that! I am going to try TU and EX next week…or in a few months…as I am REALLY trying to remove everything that has a SOL between 2011 and 2015. I believe I am following LA Statue of limitation laws since I been here for a year now.

I am really trying to clean up my credit report while I am still young enough to fix everything and have my life together. I’ve also been getting in touch with some of my creditors to let them know whats going on since my lawyer said that since my case is a no asset case these people that just bought charge offs and are just reporting (that I didn’t know about and are now reporting negatively to the CRA’s). Hopefully they will accept that!

I'll be updating in here from now on. I'm really looking forward to fixing my credit and being more responsible with it!

[ShoreUwouldinNJ]

So by monday my bankruptcy will be "automatically discharged because the case was eligible for discharge today." Thats what the bankruptcy court personal said. I should receive the documents sooner than later. With that great news also came the news that I was approved for my 1st credit card (Orchard bank) im sure its a low score but now I dont have to look for a card. I'll simply get my secured card in a week or two of about 500-1000 bucks whichever I can realistically afford... and stick with those two for a while. I had orchard twice before the bankruptcy and I was happy with them.


"Im on the road to recovery...." Now to get these inquiries and charge offs removed. BLAH!!:rolleyes:


I was going to pull my credit report but I'll just wait until after the disputes are processed

[ShoreUwouldinNJ]

Just a score update from what I have from the last pull of my CRs......


TU- was 508 on 3/8 (my fico), 486 on 3/30 (myfico) & is 548 on 4/23 (trucredit)
EQ- was 522 on 3/8 (myfico) and was 558 on 4/15 (myfico)
EX- was 521 on (freecreditreport.com) 523 3/30 (freecreditreport.com)

TU 548 Experian 529 Equifax 579 (credit adapter) on 3/30

Im going to pull all of the credit reports next month as i said from myfico..... unless anyone has a suggestion on where to get accurate credit reports/scores. As you can see they varied on 3/30 when i was trying to figure out what site i liked best.


I personally like myfico..... im not sure of the accuracy with freecreditreport
(although) I love that they let you pull your report when you want as much as you want.... I didnt particularly care for credit adapter....

[ShoreUwouldinNJ]

Just a score update from what I have from the last pull of my CRs......


TU- was 508 on 3/8 (my fico), 486 on 3/30 (myfico) & is 548 on 4/23 (trucredit)
EQ- was 522 on 3/8 (myfico) and was 558 on 4/15 (myfico)
EX- was 521 on (freecreditreport.com) 523 3/30 (freecreditreport.com)

TU 548 Experian 529 Equifax 579 (credit adapter) on 3/30

Im going to pull all of the credit reports next month as i said from myfico..... unless anyone has a suggestion on where to get accurate credit reports/scores. As you can see they varied on 3/30 when i was trying to figure out what site i liked best.

[ShoreUwouldinNJ]

and now Pacer says "discharged 4/26....normal discharge.... awaiting closing"


:D

[ShoreUwouldinNJ]

Closed on 4/29.... Waiting for my last dispute to finish then I think I'm going to do a 1-2 punch or just call the cra's and tell them the accounts are out of the sol... Which for LA is 3yrs I believe and most of these accounts are from 05/06.

[ShoreUwouldinNJ]

scores today tu 547 ex 523 eq 559 (truecredit)

update them again in 1month

[ShoreUwouldinNJ]

Ok so I was approved for a Capital One secured card today... I put 400 on it to start with and will add to it over time. If im not mistaken Capital One secured card can turn into an unsecured card over time so Im glad I got it. Now I have my 1 secured (Capital One 400 CL) and 1 unsecured card (Orchard 300 CL). :D Im actually really happy... after 5 years credit problems I finally am getting back on track.



Long term goals: New Car and a Condo or house... give me a few years and let me get my life back then I can def see those two in my life.

[ShoreUwouldinNJ]

haven't received my secured or unsecured cards yet. its been about a week. I'm not too concerned. :rolleyes:

I was happy to see that 2 of my Experian accounts that i disputed a few weeks ago were deleted. :rofl:

TU and the 2nd EX dispute should be done early June.... EQ should be done late may.... If i can get more of these things deleted I'd be so happy. Cant seem to get the inquires off. So I'll just leave it alone for now :thumbup:

[ShoreUwouldinNJ]

I had 2 EQ disputes out as of yesterday.... 1 from about 3 weeks ago and one from 2 days ago.... the 1 from 3 weeks ago JUST came back in..... 6 judgments deleted!! and 5 of 7 credit/collection accounts deleted!! There is hope!!:rofl: *dances*