YAY!!! My credit score is above 680!

December 14, 2010
I haven't been working on my credit score as much lately, but I decided to check up on it and  was excited to see a 687!



Lexington Law Firm is still doing their job and getting me some awesome results.  I still have a couple of negative items that showed up recently from an old collection account.  They removed everything else though and my credit has improved drastically.  My wife's credit is now over 700, so we should be able to get a home loan.

I am very happy with what we have been doing and what Lexington Law has done wiht my negative items.

Posted by 700 Quester. Posted In : credit score 

 

Average American Credit Score

September 7, 2010
I updated my site to give everyone more info on credit scores and what is a good credit score.  I also put links to great sites to get free credit scores online.  In my research I wanted to know what is the average credit score in the US.  I received several different answers from several different reliable sources.

The FTC, FICO, and the credit bureaus all had different answers.  Mainly because they all report credit differently.  FTC does rely on the others to give them credit scores, but th...
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Posted by 700 Credit Quester. Posted In : credit score 

 

Express Recovery Services and AFNI

August 18, 2010
These collection companies see that you are paying off your debt and they just start coming out of the wood work.  I finally had everything off my credit report and getting my debt paid down, then both Express Recovery Services and AFNI Collections show up on my credit report.  Express for some old medical bills and AFNI for an old business phone bill that was forever ago.

So this sent my score down to 600 again.  Boy was I mad.  I negotiated with AFNI to pay them off and they would remove the...
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Posted by 700 Credit Quester. Posted In : collections 

 

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...
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Posted by 700 Credit Quester. 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 

 
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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.