That's great MLESPADA.
How did you get the repo and lates off?
Was it a dispute or GW?
Hi JMALIAGA, welcome to the forums! Unfortunately the poster, MLESPADA, hasn't been on since last February. I don't know about poster's other stuff, but the repo came off with a GW:
I Fought Jefferson Capital Systems and I WON !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
I received my letter Dated May 15th today It reads
Dear Ms. _________
We acknowledge receipt of your correspondence concerning your above referenced accounts.
According to our records, we accepted settlement payments on the above accounts and statused the accounts as "settled in full". The statuses of the accounts were reported to the credit bureaus on a monthly basis. Although it is not our policy to delete the tradelines on settled accounts, to resolve your dispute, we have notified the credit bureaus to delete our tradelines from your credit file. You need to allow them time to update their records.
We appreciated the opportunity to respond.
This was in response to a letter I sent them about 10 days ago, regarding my Salute Visa and Imagine Mastercard and the 2008 FTC ruling regarding these cards. I am so happy, thats 2 tradelines off transunion and 1 off equifax and experian.
All, I just wanted to touch base with the community and the "new comers" on my current acheivments! I have been with this forum since 08/08/2012 (not long at all); however, I want to share what this forum has helped me accomplish. I never truly "cared" about credit but knew I wanted IT! After getting married Aug 26, 2011; I took over my families financies and vowed to clear any and all derogs that held us back in getting HIGH CLI or credit in general...so I came here and anytime at work, late at night, after the little one was in bed. I would sneak on here and read up on varies tactics, surf the net and conduct my own research on how I would start my journey. I started with my credit 1st since I can honestly say it was the worst. I had 5 CA, 1 30 day late, 2 60-day late, 5 paid charge-0ff from 2006-08), 1 default SL, 1 CO and thats it I think.
I make excellent money but like many never was taught the true meaning of not spending/living above your means and the importance of credit. As I fastworward to when I came to this forum as I stated I researched and read mulitple postings that fit my needs. I was able to GW all but 1 paid-CO, remove all but 1 lates (60-day late), waiting for the SL to be updated in the next month to reflect pays as agreed; current after completing a "rehab" program last yr with the Dept of Ed, 1 CA removed and the 1 CO disputing as we speak. I took all the advice and we joined PSECU this month; today going to NFCU (the most credit rebuilding happy CUs in my area from what I have been told) and start our a path to success.
This journey has been rewarding and beneficial to my family. After repair my "issues" next is my husbands. Thanks to everyone who has supported me and provided sound valuable advice...Thanks for sharing the wealth of knowledge you have gained along your journey.
If any one need advice or support (cause it can be stressful and addictive) please reach out!
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