I was looking at my scores yesterday - EQ=704, TU=714, EX=? and playing with the simulators trying to see how I might improve my scores. I was also looking at the +/- factors offered along with my TU score/report at transunioncs.com. It looks like my two WaMu/Providian accounts are the issue. Both report lates. I show the information below from a full TU CBR for the worse of the two which is the only baddie reporting on my CBR's. The account was closed by me to twart a second RJ attempt by Providian.
I have several questions:
1) If nothing else is done and eventually this account is paid off (balance now is $1,109.07) when will this fall off? The comment at the top says it would be seven years from DOFD, but when exactly would that be? That's not clear to me.
2) I would really like to get this cleaned up sooner if possible. Has anyone ever had any success asking WaMu/Providian for GW or negotiating a PFD. If they would PFD I would be deleting my oldest account by less that a year (looks like ten months) and my thought is it would be worth it to dump the baddie and one of the two accounts reporting lates. There is one 60-day and five 30-day lates reporting on the other account which remains open, but severely RJ'ed.
What say Ye?
Message Edited by jmbfl on
09-16-2008 07:11 AM