Internet's first get-out-of-debt community - 135,000 members

For those who are currently in the process of trying to rebuild their credit report. Listen, with patience and hard work it will pay off. My equifax credit score was 503, yesterday it went up 35 points so now i am at 538. I did this by disputing inaccurate information, and i also disputed charge off accounts that were paid off, and they were deleted as well. Manily because the collection agencies got their monay and did not respond. I know i have a long way to go with my scores but with patience and time it will eventually get to where i want it to be. So you do not need a credit repair, doing it yourself is free and a much better feeling than paying someone to do something you can do yourself. So good luck to eveyone out there who is currently working on the creit. Laughing

Posted: Fri Oct 05, 2007 7:22 am Subject:

Thanks for posting.... I must admit, I have not even looked at my credit report for well over a year now. Mainly, because I know what I will see is going to make me sick to my stomach. My plan is to get my remaining two debts settled when I get the funds, and then focus on trying to clean up my credit report. I just don't see the point in attempting it while these debts are still looming.

Please keep us informed as to your progress with this, as your experience will be a help to others on here.

Posted: Fri Oct 05, 2007 8:21 am Subject:

I agree with you Tiffany99, the last time I looked at my reports was earlier this year and it made me sick that's for sure. I agree it's not going to do any good until you can get the funds together to offer a settlement.

You are doing a great job shughes, keep up the good work.

ladybug

Posted: Mon Oct 08, 2007 11:25 am Subject:

I just recently have decided to take the rebuilding plunge. In little under a month, my equifax score has risen 20 points. That isn't bad. It took years to make this debt it's going to take years to make it better.

Posted: Mon Oct 08, 2007 12:45 pm Subject:

Good luck to you, and I hope you'll continue to post your progress. Your experience with this will be of use to other forum members.

Posted: Mon Oct 08, 2007 4:27 pm Subject:

everytime i look at my credit report, i get totally disgusted because it is my own fault. the last time i looked, it was 13 pages long and most of it was charge-offs that i have not paid. my nephew told me to just dispute them all and some should come off. my daughter, who worked at a collection agency said that if i did dispute them and the original company cannot come up with the original contract to prove that the account was mind, it can be taken off. i just might do that this weekend to see what happens.

Posted: Mon Oct 08, 2007 5:01 pm Subject:

Be carefull, if some of these debts are almost about to fall of the statute of limatations, you may not want to "re age" the debt by trying to get it removed. Someone with more infomation on this subject will be along shortly and in the meantime you might want to click on the "free consultation" button that is just to the right of this post where they can help you even more.

Posted: Mon Oct 08, 2007 6:35 pm Subject:

thank you for the info, i will vote for you Very Happy

Posted: Mon Oct 08, 2007 6:36 pm Subject:

thank you granny, it your post was meant for me.

Posted: Mon Oct 08, 2007 6:41 pm Subject:

yes it was

Posted: Mon Oct 08, 2007 6:51 pm Subject:

thank you.

Posted: Mon Oct 08, 2007 9:34 pm Subject: credit

Good.gald to hear CR scores are going up. Mine went up a bit, taking care of debts one at a time and making regular payments on other things.

Posted: Sun Oct 14, 2007 9:21 am Subject:

Today my equifax went up from 538 to 575. My alert said i had a negative item to fall off, and i had some accounts that are no longer impacting my credit. Well what ever it was i am really happy. Laughing

Im not going to give up.

Posted: Sun Oct 14, 2007 9:27 am Subject:

Don't give up Shughes! Little by little it will get better. Its certainly not an overnight thing.

The most important thing is that we've all seen what debt can do to us-emotionally, physically AND financially. We should learn from our mistakes & not go back there and in time we will all be on our feet again.

Keep up the good work & you'll see it pay off on your reports!

Posted: Sun Oct 14, 2007 3:57 pm Subject:

I was thrilled when I got a letter from a CC in my dmp. It said since I was making regular payments they would report me as current....and I should see that reflected in my report in about 90 days. I guess I will wait till then to check it again.

Posted: Sun Oct 14, 2007 5:42 pm Subject:

How long were you in your dmp before they sent you that letter Morning?

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