double 07
snoopdan
5,000+ posts
Banned
that totally sounded like an advertisement brah.
OP
double 07
10+ year member
CarAudio.com Elite
- Thread Starter
- #3
well I promise it's not.......I didnt even put in a LIVE link.........I have NO reason to advertise that site and nothing to gain by it..........Thats exactly why i mentioned it involves NO MONEY so people wouldn't think I was soliciting and dammit if that aint the first thought anyway....schucks
OP
double 07
10+ year member
CarAudio.com Elite
- Thread Starter
- #5
Those guys on that forum are amazingly full of info.....I was able to get every blemish removed from my credit and every bit of it was LEGAL....It is not the same as hiring a ripoff repair credit agency.....You can do it all yourself........
snoopdan
5,000+ posts
Banned
I repaired my own credit. I had both hips replaced so I went default on some credit cards, lost my house and car at the time so my credit was screwed. Took out a loan last year for $1000 and paid it off in a year. Then I bought my Corvette and been making payments on it for 2 years....740 score now. woot!
how long did it take you to reach 800?
OP
double 07
10+ year member
CarAudio.com Elite
- Thread Starter
- #8
I know that feeling snoop......we filed chapter 7 after my wife was seriously injured and lost her job......after the BK is when I searched the web and found that site......The little tricks you can learn on there are amazing...like writing your dispute letters on colored paper with bright ink so the dispute gets handled by a person not a computer....
OP
double 07
10+ year member
CarAudio.com Elite
- Thread Starter
- #9
If you do it right about 2 years....I went from a 540 to a 625 in about a year.....The key to it is you need way more positive accounts than the negatives......The easiest thing to start out with is store CC like Penneys, Wal-mart, and Target.....those are all pretty easy to qualify for and they will get you started on a rebuild......
my first card after the BK was a Wal-mart cc with a $600 limit.......it now sits at $3700 .........My total available credit right now sits at about $75,000 and they all have ZERO balances.....
And available CREDIT is NOT DEBT........It proves responsibility.......
does paypal credit also count? cause im nearly done with paying it.
sweet! i just joined. definitely gonna up my credit knowledge
I don't borrow money. My credit score is probably crap.
Are you fellas talking about the Paypal Extras Mastercard?
Thats what I use.. I never had a credit card before until then (just my banks debit card)
Anyways ive been with them maybe 2 years now, and I really like it. I get 1 point for every dollar, 2x on paypal purchases and 3x when used on food/gas
With that, i have the option to use the points for items or I can cash in 5600 of them for $50. I have probably gotten over $300-400 doing that so far.. thats money that I would have never got back if I didnt use a credit card.
Also, I have never paid a bill late. I pay it in full everytime..
If you are responsible with money, put EVERY ******* THING you buy on a credit card. Everything you normally would buy.
My limit is $12,000 I think.
Also I believe my credit score is around 780 but there are other factors worked into that.
How do you guys like it?
Yes, it is. I was the same way, I am a stubborn person and wasnt raised to have alot of money so I never took out loans, I paid everything off (car, bills, etc) and had no credit until I started paying utilities at a house.
Trust me, get a credit card and just be really smart with it. Dont bring it drinking. Dont buy **** you normally wouldnt buy. Also its a really easy way to manage how much you spend on **** (electronics, clothes, gas, fast food)
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