100pts in 30 days My Rebuilding Log

100pts in 30 days My Rebuilding Log
Warrenseene asked 4 years ago

I wanted to have my own thread to keep track of my Rebuilding journey. I have seen several Logs like this so here goes mine.

 

I pulled my scores for the first time at the end of Feb 2015 they were: EX- 474 TU-498 EQ- 480

 

Opened:

Fingerhut Fresh Start March 2015- $ 240

Capital One Secured March 2015- $ 200 (increased to $ 300 4/15)

Added as AU on Sears MC March 2015 – $ 5600

Sharefax CU secured April 2015- $ 500 (only reports to EQ)

U.S. Bank secured April 2015- $ 500 (Hasn’t reported as of yet as of 4/28)

 

Baddies Deleted

Choice Recovery – $ 210 (Disputed and removed 3/2)

Choice Recovery- $ 250 (Disputed & removed 3/2)

IC Systems – $ 149 (Paid will delete on 5/10)

Global Control -$ 70 (Paid we be deleted on 4/30)

Senex Systems- $ 1042 (Early Exclusion TU 4/28)

 

Student Loan rehab

Rehab completed 2/25

Loans picked up by Fedloans 3/8

Paid as agreed same amt as in rehab

4 TL remain on EQ (as of 4/16)

0 TL remain on EX (as of 4/28)

5 TL remain  on EQ ( as of 4/16)

 

Baddies still to be attacked

Choice Recovery- $ 404 (fall off 7/18)

Choice Recovery- $ 152 (fall off 8/18)

Crescent Bank Auto- $ 4886 ( fall off 5/19)

EOS CCA – $ 1146 (fall off 2/2018)

Senex Services- $ 1370 ( fall off 4/16 was disputed & verified)

Senex Services- $ 1042 ( fall off 6/2015 EU & EX called Ex denied EE 4/28)

Senex Services- $ 165 ( fall off 3/16)

Senex Services- $ 75 ( fall off 11/15)

Senex Services- $ 961 ( fall off 4/2016)

Account Receivables- $ 100 (fall off 7/18 cant find the CA or the OC)

 

Installment Loan

DT Credit- $ 441 paid as agreed no lates

 

My Current Scores as of 4/23-4/25/15 are

EX–588  TU–554  EQ–586 (myfico monitoring scores)

I am planning to attempt the Hippaa Process for the Medical debt in a few weeks

Trying to decide if i should get one more card that reports to all three Bureaus since my Credit union only reports to one

I am really really thankful for this Forum. I never would imagined 100pt increase in 2 scores in really about a month worth of work. Im definitely NOT close to being done.

My Goal is to one day qualify for a mortgage. I dont have a timeline for that to happen though.

 

 

 

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