10d (edited) • General discussion
🚨 MAJOR CREDIT REPAIR UPDATE — THIS ONE LOUD 🚨
📈 SCORE GAINS IN ONE ROUND:
- Equifax: 689 (brand new score created)
- Experian: +115 → 631
- TransUnion: +167 → 680
That’s a 150+ point swing where it mattered most.
🧹 DELETIONS HIT DIFFERENT:
- 15 deletions this round
- 17 total deletions so far
- Multiple collections wiped…LVNV, Portfolio, Merrick, Toyota, rent debt… gone 🗑️
⏳ WHAT’S LEFT:
- Only 2 disputes still active
- Heavy negatives already knocked out early (that’s how you control the score swing)
⚠️
Credit usage still high right now (93%) — that’s the next lever we pulling.
Cleaning negatives + fixing utilization = another jump loading…
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🚨 MAJOR CREDIT REPAIR UPDATE — THIS ONE LOUD 🚨
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