I hate Experian

June 17, 2010
Out of all the credit bureaus, Experian has given me the most problems.  They send me stall letters, they don't investigate and they don't send updated credit reports.  Out of all the credit bureaus they have given me the most problems.

Transunion seems to be the easiest.  My items were removed on the first dispute and they have looked good.  Equifax was in the middle, items were removed on the first dispute, but still 1 item on there that hasn't come off yet.

I just don't understand why credit bureaus are so reluctant to do their job.  Instead of wasting my time and their time stalling disputes they could be doing investigations.  I won't be going away and neither will by awesome credit repair service Lexington Law Firm.  They have rocked and hope to be bad credit free soon.

Posted by Matt Triplett. Posted In : credit repair 

 

Piggybacking

May 3, 2010
So my wife added me to some of her good accounts, so that hopefully I can gain some good credit history from it.  I don't have much credit history as it stands, so anything will help.  She has a few credit cards, and merchant cards that she has had for a while with good payment histories.

So will give it a few weeks and check my credit scores again and see if they have improved.  Probably also need to raise some of her credit limits if possible.  Only problem with that is that we will get a cr...
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Posted by 700 Credit Quester

 

680 Credit Score - Almost There

April 9, 2010
Checked my creditkarma today and showing a 680 credit score!  I think getting one more item removed or getting a little more positive credit will probably put me over the hump.  This is only my TU credit score, so I'm a little worried about my EX, which I think is getting the least amount of deletions.  Still have a few negatives on EX and EQ, but TU is looking good.

Haven't wrote in here for a while, because just been waiting for deletion letters.  I guess I could be posting about what good c...
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Posted by 700 Credit Quester. Posted In : credit score 

 

My TU Is Up 50 Points

March 22, 2010
So I checked my TU credit score for free today on Credit Karma and my score went up 50 points.  Lexington Law received has removed all of my negative items on my Trans Union, so that is why.  Awesome!!!

Now just waiting on the other 2 to remove their items.  I should be receiving updates soon, so once I get them I'll get all 3 credit scores and post them again, so everyone can see my progress.

I hoping to set up like a forum or posting capability so everyone else can post their results too.  Wo...
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Posted by 700 Credit Quester. Posted In : credit score 

 

Wow, the ultimate credit repair guide

March 2, 2010
I'm always looking around the web for new sites or ideas on how to raise my credit score to 700.  This Credit Repair guide has everything you are looking for.  They list a variety of ways to increase your credit score that include lowering balances, increasing limits, and removing negative items.  It is very cool.

They also recommend Lexington Law Firm, which is no surprise since they seem to be the best credit repair service out there.  I am using them also, waiting on the credit bureaus to s...
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Posted by 700 Credit Quester. Posted In : credit repair services 

 

Received Trans Union Response

February 16, 2010
I received a letter from Trans Union on the 9th of February stating that 2 of my Express Recovery accounts are not reporting.  Then why are they showing up my credit report?  That is what I want to know.  I forwarded the letter to Lexington to keep them up to date on everything.

Not sure if they send new disputes now or if we are waiting for an updated credit report from Trans Union.  If these 2 collection accounts are gone that means I only have 1 collection account and a charge off I think.

I...
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Posted by 700 Credit Quester. Posted In : credit report 

 

High Credit Score is More Important Now Than Ever

February 9, 2010
The more and more I look around, the harder it seems to get approved for a house.  Don't worry I'm not getting a bunch of inquiries on my credit.  I've just been calling and checking online and with banks about what they can offer and for what credit score.

It seems now more than ever you need a high credit score to qualify for a home.  The housing bubble that burst has made lenders afraid to lend to just anybody.  They don't want to get stuck with another foreclosure.  That is fine, but it ha...
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Posted by 700 Credit Quester. Posted In : credit score 

 

Hate Playing The Waiting Game

February 2, 2010
I'm just waiting for my updated credit reports to arrive.  Lexington's service is nice, they have an online dashboard where you can see what is in dispute and all the work that has been done.  Very comforting to know I have a law firm on my side and not some guy in a basement sending out the disputes for me.

I'm still working on getting my name onto some of my wife's accounts.  It almost seems harder to gain credit then to remove it.  I'm worried I'm going to be sitting on 650 credit with no n...
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Posted by 700 Credit Quester. Posted In : credit repair services 

 

Signed up with Lexington Law Firm

January 26, 2010
I signed up with Lexington Law Firm in November to remove my negative items off my credit report.  I have 1 charge off and 4 collections.

I had already ordered mycredit reports through Identityguard, but it was nice because Lexington Law pulled my Trans Union credit report for free.  I sent in my 3-in-1 credit reports, so they had all 3 in the system.  I set it up so I won't be charged the first payment for 15 days, so gives me some time to get my credit reports into them and start disputing.

T...
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Posted by 700 Credit Quester. Posted In : credit repair services 

 

My Credit Score was 588

January 19, 2010
So not as bad as thought and now in January it is 638, so 50 points higher.  My credit was much worse a few years ago, but I think several years of being married and being a parent has helped.  I have been a little more responsible and have piggy backed on my wife's credit a little bit.  My wife's average credit score is 680, so quite a bit better, but can still use some improvement. 

I have researched a few options on what we think would be the best options to raise our credit score.  The le...
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Posted by 700 Quester. Posted In : credit score 

 
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700 Credit Quester


I want 700 credit and I'm on a quest to get it. Follow and join me on the journey and lets see how high we can get.