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Okay.. UGH!! I have been working and working on getting my baddies removed. I have been doing GREAT so far as I was able to get 2 charge offs removed, 2 collections removed, and a collection changed to PIF (even though thats not so great!!! GW will be sent monthly its Portfolio recovery)
Well, since my rebuilding began in late April, I have been approved for 4 CC. 2 comenity through shoppingcart, 2 CO, and a auto loan from CO(Capital One).. Everything was GREAT.. guess too great. PIF all new accounts! I mean just great I fell awesom. Well of couse the auto loan wasn't paid in full.
ANYWAY.. I get an alert that a collection was added AND a 30 day late!! FOR WHAT!!!
Apparently I have a school loan that is NOT with Sallie Mae (which I pay on time everymonth) and the payment is a measly $40 for this "outside" student loan. Okay, no contact had been made with me. I am BEYOND pissed. In my mind, I'm like "why didn't i get a call." And then Im pissed ALL OVER AGAIN, because its JUST $40!!! Maybe try to GW?
NEXT
Well, My graduate school messed up and gave me a refund on grant money and then said "Whoops, two years ago we gave you an extra$1513." Well, the real whoops is the school never called me to let me know this and BOOM its not a collection on my report. GOODNESS... I will NEVER get out of this dang pit and looks like I will NEVER get my own home :-( I'm sooo close to giving up...
Sounds more like a rant right? No I'm really looking for advice.
Actually, for the $40 I would call them and see what they can offer since it seems like some type of miscommunication. Remind them that you have paid them monthly on time, and this was just unforseen on your behalf.
Might work.
never give up!
patience and persistence is the key in rebuilding, so don't give up.
2013 Feb EQ: 550 | 2017 Feb EQ: 722
Thanks all!! I am trying.. I guess I was in my feelings when I posted. I am so motivated to learn more and do better. If only they taught credit 101 in high school. Lol
Call and speak to a human. Apologize and beg forgiveness. Call again and again and again.