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Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Removal Question

Has anyone had success removing "Paid in full; charge offs" from their CR? My current situation with credit is 8 "paid in full; charge offs"

FAKO is EX 596   EQ  586  TU  602

 

I klnow if I was able to remove those charge offs it  would jump my credit score extremely!!!

 

Any advice is appreciated...Thank you

 

 

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Moderator
pizzadude
Posts: 8,701
Registered: ‎01-28-2010

Re: Removal Question

 

Yes, people have had success, but it varies widely by the age of the tradeline and also creditor.   Who are the creditors and how recent are the COs ?

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Removal Question

Thanks Pzzadude for responding! The OC are Capital One (est in 2005 PIF 2ys ago) and HSBC (est in 2004 PIF 2 yrs ago)

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Valued Contributor
p-
Posts: 2,539
Registered: ‎06-05-2008

Re: Removal Question


AvaMommy wrote:

Has anyone had success removing "Paid in full; charge offs" from their CR? My current situation with credit is 8 "paid in full; charge offs"

FAKO is EX 596   EQ  586  TU  602

 

I klnow if I was able to remove those charge offs it  would jump my credit score extremely!!!

 

Any advice is appreciated...Thank you

 

 


Of course.  Search the forums here for the follwing phrases:  "GW Success", Goodwill success", and "GW success __________"  (creditor).  

  2-13-14: FICO EXP: 779 - EQU: 742 - TRAN: 765 - AVG: 762 - +212 points from JUN 2008 - MY CREDIT JOURNAL

Frequent Contributor
AvaMommy
Posts: 297
Registered: ‎08-08-2012

Re: Removal Question

Thanks P-

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013

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