topic did this turn positive-ish? should i try to GW? in Rebuilding Your Credit

did this turn positive-ish? should i try to GW?

novabama — Fri, 05 Oct 2012 15:13:48 GMT

so I disputed a target card....It doesn't report under "negative accts" now on my equifax complete account, it reports on my "installment accounts" should I try to GW it?

it used to look like this...

TARGET NATIONAL BANK

C/O TARGET CREDIT SERVICES
PO BOX 673
MINNEAPOLIS, MN-55440-0673

Account Number:	37533XXXX	Status:	CHARGE-OFF
Account Owner:	Individual Account.	High Credit:
Type of Account	Revolving	Credit Limit:	$200
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	11/26/2006	Balance:	$0
Date Reported:	10/26/2011	Amount Past Due:
Date of Last Payment:	02/2007	Actual Payment Amount:
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	10/2007	Months Reviewed:	24
Creditor Classification:		Activity Designator:	N/A
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	04/2007
Comments:	Consumer disputes - reinvestigation in progress

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2011

2010

2009

2008

2007

2006

they updated it to look like this:

Account Number:	37533XXXX	Status:	PAYS AS AGREED
Account Owner:	Individual Account.	High Credit:	$687
Type of Account :	Revolving	Credit Limit:	$200
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	11/03/2006	Balance:	$0
Date Reported:	09/03/2012	Amount Past Due:
Date of Last Payment:	02/2007	Actual Payment Amount:	$147
Scheduled Payment Amount:	$0	Date of Last Activity:	04/2007
Date Major Delinquency First Reported:		Months Reviewed:	24
Creditor Classification:		Activity Designator:	Paid and Closed
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:	10/2007	Type of Loan:	Credit Card
Date of First Delinquency:	N/A
Comments:	Account paid for less than full balance

Re: did this turn positive-ish? should i try to GW?

Shogun — Fri, 05 Oct 2012 15:18:59 GMT

Looks pretty positive, except for that little comment. But other than that, it's improved!

Re: did this turn positive-ish? should i try to GW?

novabama — Fri, 05 Oct 2012 15:20:47 GMT

Ok cool. thanks for always reassuring me! I am thinking I will just leave it alone lol. I didn't actually pay it so I definitely don't want to ruffle any feathers!! my FAKO eq score did go up some after that I think so looks like I got lucky :) whew!

Re: did this turn positive-ish? should i try to GW?

Shogun — Fri, 05 Oct 2012 15:30:57 GMT

You're quite welcome. I made a vow to only use my powers for good. HAHA!!!

Re: did this turn positive-ish? should i try to GW?

Tay09 — Fri, 05 Oct 2012 17:30:41 GMT

Nova, you are knocking them down!! Your siggy is unbelievable.

Re: did this turn positive-ish? should i try to GW?

novabama — Fri, 05 Oct 2012 17:35:31 GMT

Thank you! I have spent countless hours on this board and writing emails and sending letters lol. I seriously can't believe what's all happened so far some days! I started with like.... almost 30 baddies from 2006-2008. :smileyembarrassed: But I am doing my hardest now that I'm a (mostly haha) responsible adult and would like to buy a house for my daughter and myself next year :) 5 out of 7 collections are medical that I should never have had to pay so I am doing my best to get that fixed too. It's worth the effort though!

And shogun you never fail to crack me up :smileyvery-happy: