First post of this forum :
"I thought that I would start a thread just for myself to remember where I have been and where I am going on my credit repair journey. Of course, you're welcome to read it and make comments. 
My credit WAS at around 720. That was in January of 2004 when I applied for my mortgage. Then life happened...
My goal is to be back to where I started. I would like to be comfortably above 700.
Here are my scores:
TransUnion
654 4/28/2007
639 1/25/2007
634 9/22/2006
Equifax
648 04/21/2007
631 2/22/2007
631 1/1/2007
608 10/27/2006
Experian
683 4/28/2007
683 2/2/2007
683 10/27/2006
WAY before I found this site, I joined a CCCS and started on a DMP. This was around July of 2005. I am one of the few lucky ones that have found a good company to deal with. They have made some odd errors but overall I'm happy. They have lowered my interest rates quite a bit and I can comfortably pay back the money that I owe.
Since being on CCCS you're technically NOT suppose to apply for new credit. Because I travel and for other budgeting reasons I have applied and received a secured card from US Bank. I'm happy with their terms. They have started reporting and that is probably the reason of my scores have popped up. However, I can't seem to make EX budge regardless of what I try.
You'll see GEMB below as well. They were left out of my CCCS agreements because I work for a company that they service.
Basically, I could get busted for this but I legitimately need another card besides my DEBIT/ATM card. I just have a feeling that CCCS and my creditors might disagree. Oh well, if they give me the boot I can handle it. I'm only down to a select few accounts. Who knows by then I could probably apply for a balance transfer. I'll keep paying down regardless. In this instance, I would rather ask for forgiveness than permission.
Ok, don't blast me for still being on a DMP with a CCCS.
Like I said they have treated me well. I know now that I could have done most of it myself. However, back then I really needed some help getting started. I know some of you will question why I am still with them. All I can say is they have worked well for us. I know now that I can do some things on my own and I am doing that now.
I've just started to actually communicate with these companies. I've sent out the following letters. I'll include what, if anything, that I have heard back.
After reading and lurking, I joined CIC and made my first post on 2007-03-13. I started sending out letters ASAP. I guess my first post kind of got me into gear.
Letters Round 1 (around 2007-03-13):
Asked the following to remove CCCS note from my CR as I have paid them off.
1) 1st Financial Bank
2) Best Buy
3) Household Bank
4) Sam's
5) Citi Bank - Shell MC
Remove late payments from around the time I was switching over to the DMP.
1) Chase
2) MBNA
GMAC - wierd late payment pattern on one of the three CR. REPO
The voluntary repo was by far my worst mistake.
Letters Round 2 (around 2007-04-14):
Chase - Letter telling them to go ahead with removing their TL because I am not the main account holder. I'll believe it when I see it...
GEMB - Asking for account reconsideration.
I got brave here. These show up as old accounts but as still open. I was asking about the status of them.
Jc Penney
Zales
TU and EX for copies of my report.
I also disputed a couple of things directly from myfico.
Letters Round 3 (around 2007-04-21):
EX asking for copy of my CR.
Shell - another older account that I was checking the status of.
I can't say that I've had perfect response from my letters. However, I don't see the CCCS on the account that have been paid off. So that's good. I'll keep waiting a bit and see if I get any other replies to my letters then I'll probably send out some others.
One wierd thing is that one account that I paid off is showing a credit of $234.00.
Yeah, I called them up and asked that they send me a check. She said that I should have it within 7-10 days. I'll most likely pay down some other debt when I get it."
My credit WAS at around 720. That was in January of 2004 when I applied for my mortgage. Then life happened...
My goal is to be back to where I started. I would like to be comfortably above 700.
Here are my scores:
TransUnion
654 4/28/2007
639 1/25/2007
634 9/22/2006
Equifax
648 04/21/2007
631 2/22/2007
631 1/1/2007
608 10/27/2006
Experian
683 4/28/2007
683 2/2/2007
683 10/27/2006
WAY before I found this site, I joined a CCCS and started on a DMP. This was around July of 2005. I am one of the few lucky ones that have found a good company to deal with. They have made some odd errors but overall I'm happy. They have lowered my interest rates quite a bit and I can comfortably pay back the money that I owe.
Since being on CCCS you're technically NOT suppose to apply for new credit. Because I travel and for other budgeting reasons I have applied and received a secured card from US Bank. I'm happy with their terms. They have started reporting and that is probably the reason of my scores have popped up. However, I can't seem to make EX budge regardless of what I try.
You'll see GEMB below as well. They were left out of my CCCS agreements because I work for a company that they service.
Basically, I could get busted for this but I legitimately need another card besides my DEBIT/ATM card. I just have a feeling that CCCS and my creditors might disagree. Oh well, if they give me the boot I can handle it. I'm only down to a select few accounts. Who knows by then I could probably apply for a balance transfer. I'll keep paying down regardless. In this instance, I would rather ask for forgiveness than permission.
Ok, don't blast me for still being on a DMP with a CCCS.
Like I said they have treated me well. I know now that I could have done most of it myself. However, back then I really needed some help getting started. I know some of you will question why I am still with them. All I can say is they have worked well for us. I know now that I can do some things on my own and I am doing that now.
I've just started to actually communicate with these companies. I've sent out the following letters. I'll include what, if anything, that I have heard back.
After reading and lurking, I joined CIC and made my first post on 2007-03-13. I started sending out letters ASAP. I guess my first post kind of got me into gear.
Letters Round 1 (around 2007-03-13):Asked the following to remove CCCS note from my CR as I have paid them off.
1) 1st Financial Bank
2) Best Buy
3) Household Bank
4) Sam's
5) Citi Bank - Shell MC
Remove late payments from around the time I was switching over to the DMP.
1) Chase
2) MBNA
GMAC - wierd late payment pattern on one of the three CR. REPO
The voluntary repo was by far my worst mistake.
Letters Round 2 (around 2007-04-14):Chase - Letter telling them to go ahead with removing their TL because I am not the main account holder. I'll believe it when I see it...
GEMB - Asking for account reconsideration.
I got brave here. These show up as old accounts but as still open. I was asking about the status of them.
Jc Penney
Zales
TU and EX for copies of my report.
I also disputed a couple of things directly from myfico.
Letters Round 3 (around 2007-04-21):EX asking for copy of my CR.
Shell - another older account that I was checking the status of.
I can't say that I've had perfect response from my letters. However, I don't see the CCCS on the account that have been paid off. So that's good. I'll keep waiting a bit and see if I get any other replies to my letters then I'll probably send out some others.
One wierd thing is that one account that I paid off is showing a credit of $234.00.
Yeah, I called them up and asked that they send me a check. She said that I should have it within 7-10 days. I'll most likely pay down some other debt when I get it."see this forum at : http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?s=66cdc4c365ef16ffa9f2bc5b9307729d&t=266849
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