Yes i am using my disposable income to check my fico scores several times a month....but you know obsessions cost money
mamabear, it is a combination of things. i posted elsewhere about late payments mysteriously disappearing (11 lates gone on 1 account). i cannot explain it, but i'm not going to look a gift horse in the mouth. 1 paid charge off was deleted from Equifax only (so far). my tu scores went up significant because i applied for and was approved for the delta skymiles am ex card. my baddies are also getting older and my most recent late was about a year ago. i have also paid down my debt from 9,000 to 5,000.
i have not had good luck with my good will letters. i just received a response today and they are telling me the lates are valid. duh! so now i am going to try to find a contact to personally speak with. i am finding that it has to be human to human contact otherwise, they just flip me the bird. having said all that is anyone has a contact at bofa formerly mbna, i would be grateful til the end of time