Hit a 720 credit score this morning after 14 months of work

I kept seeing people jump into credit repair buying tradelines and disputing everything at once, but focusing on just paying down two old collections one at a time got me way farther. Anybody else find slow and steady actually works better than blasting the bureaus?

3 comments

3 Comments

david_reed2214d ago

My cousin tried the blasting method and they froze his reports for six months.

erickelly14d ago

A 2019 Consumer Reports article I saw said the big three credit bureaus each get over 10,000 complaints a year about frozen reports and disputes. Blasting seems like it just makes them lock everything down tight to cover themselves from the flood. I think a slower, more careful approach with one letter at a time works better than trying to force their hand all at once.

young.michael14d ago

Totally agree with you on that. I think the patience game is way more effective because when you come at them slow and steady they actually have to process each thing instead of just throwing up a wall.