Itsrx1 Tracker

Re: EOS-CCA Deleted

Itsrx1 — Tue, 19 Jun 2012 11:10:29 GMT

Nice! I recently did the same thing after discovering I had an AT&T collection acct. with the help of a member on here, this forum is a treasure!

Re: FHA..... Disputed Accounts & Collections. UPDATE!!!

Itsrx1 — Tue, 19 Jun 2012 11:06:18 GMT

This is great news! I've been keeping a close eye on this, thanks for sharing

Re: EOS_CCA help!!!

Itsrx1 — Tue, 12 Jun 2012 11:34:28 GMT

Thank you

Re: EOS_CCA help!!!

Itsrx1 — Tue, 12 Jun 2012 01:05:15 GMT

Roberteg, should I go ahead pay in full now and gw AT&T or eos later?

Re: EOS_CCA help!!!

Itsrx1 — Mon, 11 Jun 2012 23:44:03 GMT

Thanks, I'll pay AT&T and good will eos, do you have an email address that I could send to? Thanks so much!

Re: EOS_CCA help!!!

Itsrx1 — Mon, 11 Jun 2012 17:05:28 GMT

Some updated info so you guys can help me better, AT&T allows me to pay them in full. Now issue is, should I pay AT&T and tell the CA to dv the debt (since I don't owe them anything)? Any insight is appreciated!

EOS_CCA help!!!

Itsrx1 — Mon, 11 Jun 2012 15:37:01 GMT

So i have been trying so hard to rebuild my credit and have been pretty succesful at reduce my UTI rate, obtaining new credit one at a time and making pyment on time. IM planing to apply for FHA loan at endof this year and my LO gave me the green light to do so. my EQ score is 650 (mid score). i just pulled my monthly report yesteday and discovered a colleciton for $43 from ATT with DOFDL 10/2010. this is when i moved out of my leased condo into a my rental now. my score took a plunge of 37 points. i immediately called EOS-CCA to try a PFD but they wont do it. can anyone with EOS-CCA experience help? please pm me info as well if you can. id really need to get this deleted from my report and regain my points.

They stated that if i pay in full, they will update my account as closed, paid in full but that wont help regaining my score at all. FHA wont approve loan if i have collection or late in last 12 months. im so stressed out over a mere $43. im actually calling ATT right now to get it paid off and see what i can do with them.

Also, ive never received any kind of letter from EOS-CCA at all stating that i should pay the $43 charge. THey didnt have my address or couild pull me up in their system until i gave them my ssn#. please help!!!

Re: TU dropped 91 pts!!

Itsrx1 — Fri, 20 Apr 2012 01:40:55 GMT

I think my accts are what killed her score, the difference between her TU and EQ are the new accts. what should we do??? Should I take her off or score will bounce back in 6 mos time? we just finished paying off everything so 0$ balance on all cards now.

Re: TU dropped 91 pts!!

Itsrx1 — Fri, 20 Apr 2012 00:15:41 GMT

We calculated before I added her on, uti is at 24%, even less now as we just rushed to pay all of them off. No lates last 12-18 mos, same 4 collections that'll be PFD soon

Re: TU dropped 91 pts!!

Itsrx1 — Fri, 20 Apr 2012 00:13:51 GMT

modernsurrender wrote:
How old are the 5 accounts that you added her onto as an AU? How old are the accounts that she already had?

Without knowing I'd guess that the AAoA might have dropped and hurt her, not sure if that could do that much damage though. Did the AU accounts have any lates?

The 5 acts I added her on Amex zync (backdated to 2006) , cap 1 (2007), cap 1 (2010) , VS ad Macy's are brand new, just opined this month. Her own two accts are orchard HSBC (opened 2/2011) and cap1 (opened 1/2012)

Re: TU dropped 91 pts!!

Itsrx1 — Fri, 20 Apr 2012 00:08:22 GMT

Her march scores for TU is 603, EQ is 587. April scores TU is 512, EQ is 587.

Re: American express

Itsrx1 — Wed, 11 Apr 2012 21:02:02 GMT

just to update everyone, my plum finally came in, HR sorted everything out, now the HR manager asked me if the Zync is worth it since the annual fee is cheaper, lol

Re: Amex zync approval score thread

Itsrx1 — Sat, 07 Apr 2012 21:10:06 GMT

Oops my bad

Re: Amex zync approval score thread

Itsrx1 — Sat, 07 Apr 2012 21:08:01 GMT

Once again my iPad is messing things up and not let me space my paragraphs, I apologize!

Amex zync approval score thread

Itsrx1 — Sat, 07 Apr 2012 21:07:12 GMT

I thought this might be helpful for members who are looking to app for this card. I know I have been enjoying it so far, it's very good looking and a good starter to build relationship with Amex. I'll put down my exp (fako or fico)score, anything that I think helped me with the approval for the card. Btw, I put my fiancée as AU on the card and they did backdate me back to 2005 when I got the clear! Hope this helps! Amex zync NPSL Exp: 620 (fako via experian.com) Other factors: previous relationship with Amex via the clear card (10k CL at one point before they decreased it to 500 and eventually closed acct due to me CO all my ccs) Least inquiries out of all my reports (0 in last 6 mos)

Re: Approved for Barclays Apple Card

Itsrx1 — Sat, 07 Apr 2012 18:04:42 GMT

BallaOnnaBudget wrote:
I just want to thank everyone on the forum for their posts. Today i was approved for an apple barclays visa. Coming from no credit score in april of 2011 to a score of 758 TU couldnt have happened without your help. Approved for 1300. Should i recon for more? AAoA 1year 2months, One car loan 1 year 4 months (no missed), cap 1 secure $200 limit(no missed). No baddies. 1 inq in 12 months.

yes, from reading all the previous posts, tell them youre looking to buy an imac or something expensive there

Re: Nordstrom recon, CEO emails me back!!!!

Itsrx1 — Sat, 07 Apr 2012 03:49:22 GMT

RockinRay wrote:
Sorry it did not work out as you had hoped.

Give it some time, maybe 6 months or so and try them again. Time is on your side here,

Got my Nordstrom denial letter today, their only reason "too many recent inquiries". I'll garden for 6 months and app again for this card, the Only one I want for now until after I app for my mortgage next year, must get it!!! Once I get it, I may axe the Macy's I just got today, lol!!!!

Re: macys store card

Itsrx1 — Sat, 07 Apr 2012 00:09:02 GMT

-Cain- wrote:
Congrats. Macy's lured me in last week too. 😄

you got a good credit line? do they start everyone at $300, i didnt dare app for the visa, lol, wonder what my exp score is?

canellation of debt tax

Itsrx1 — Sat, 07 Apr 2012 00:05:19 GMT

just got paperwork from irs today stating that i owe them money (1500) from the amount of debt cancelled by citi (8000). this sucks!!!!!! i called and researched and its perfectly legal, wished i filed bk back then, would that have helped? can citi still report this a negative on my report if i pay the tax. what can i do? or do i have to suck it up and pay for it?

macys store card

Itsrx1 — Fri, 06 Apr 2012 23:49:21 GMT

was at the mall today looking to buy birthday present for my girl and went for it after checking my inquiries on my experian report and stting at food court reading up on macy's requirement. only 1 inquiry on exp reprt last 6 mos (from amex) so i went for it and app in store. instant approval!!!! used their phone to call after purchased a gift set for my gf, 300 cl, talked to csr and she said to call after 3 mos and theyll increase with no problem. pretty happy right, but I AM DONE APPING! got two recent cards and both pulled exp for me. its funny, my equifax is highest score. will macy provide the score they pull? i read mixed review of this card, is it a good ard thatll grow with me? really want to upgrade to the visa after 6-12 mos! Thanks again Myfico!