Finally!

I got our scores!!! They are not great, but not bad either. And they are up from 2 years ago which is really nice because I basically did nothing over the last two years. So here they are:

Starting Score: Hers: 3/08 TU-525 EX-504 EQ-524, His: 3/08 TU-571 EX-533 EQ-527
Current Score: Hers: 1/10 TU-579 EX-572 EQ-549, His: 1/10 TU-576 EX-565 EQ-563

And now we have our bank accounts with USAA which gives me a ton of piece of mind. I want to develop a relationship with that bank because we later want to try and get our mortgage with them, as well as our life insurance and property and car insurance.

I did apply for a few credit cards that were unsecured, and got denied for them all. :( It was stupid for me to apply, but I figured I would give it a shot with the scores and see what might happen. I also put in our application for secured cards with New Millennium. I have paid the fees, and now I am just waiting to get the cards and info on how to fund our accounts. I got two cards (Visa and MC) under my name, and added my husband as an Authorized User. I will do the same with him under his name, me being the Authorized user, once I can see that they report the two cards separately. It is very important that they report separately, and if they do not then I will likely close down the master card and keep the Visa, and move my security money to a different bank.

I also sent out the last of the letters this morning. We have everything organized and ready for the next round of letters. Let me tell you, organization is the key to all of this!!! We went to Staples and bought a little plastic file box, some file folders and file hangers, a big box of security envelopes, a ream of paper, ink for the printer, and a multi use stamp for stamping all dates on our copies. Its a bit of an expense, but those things are so important to keep everything in line. Whether you have two baddie trade lines or 200, you have to be organized to get this task accomplished. I have all of the trade lines I want taken care of entered into a data sheet on excel. I have a file folder for each account so I can keep copies of all correspondence. I am keeping a copy of every letter I write stapled to the return receipt in those files in case I need to dispute anything. And I have estimated how much it is going to cost to pay for deletion on all of my trade lines I want gone and set that aside in my accounts. That way I can ensure the day the company says "yes, we will delete your bad entry" I can rush out and send them the certified funds for that account.

Well, sadly we are now in the wait-and-see timeframe. I hate this part. I want things to happen so fast. Its frustrating to not have it happen quicker. All of my letters are sent out and I have absolutely no idea who is going to respond and who is going to ignore. I don't even know if anyone is going to accept my PFD offer. I sure hope they do, but who knows. Its so much to work on, and I just want to be successful with it. And not get sued in the process. :( Not that I am scared of being sued, but it is going to cost me more time and money which is no fun.