Rebuilding Your Credit

[2NE1]

Hi everyone!

It has officially been 6 months since I started rebuilding my credit, here's my journey:

EQ SW free-trial score started with 503.
5 student loan TLs started reporting as "Open Accounts" which caused my score to increase by 33 points.
I purchased for one-year EQ Scorewatch on 1/2012; EQ score started with 536.

BADDIES I HAVE REMOVED:

Public Record (Civil judgment 2008, Paid 2012) - reported on EQ, TU
EQ deleted through MOV letter (thank you @Cherriwyn!) - score increased to 556 from 536.
TU deleted through MOV letter.

Chevy Chase / CHASE Charge-Off (Closed 2010, Paid 2012) - reported on EQ, EX, TU
Worst Delinquency: 120 days late. I figured having this deleted would help my score, even if it meant reducing my AAoA.
Sent GW e-mail requesting TL removal for EQ, EX, TU; granted - score increased to N/A.

WAMU / CHASE Charge-Off (Closed 2009, Amount owed SOLD to CA) - reported on EQ, EX, TU
Worst Delinquency: 120 days late. I figured having this deleted would help my score, even if it meant reducing my AAoA.
Sent GW e-mail requesting TL removal for EQ, EX, TU; granted - EQ score increased to N/A.

Equable Ascent FNCL (CA collecting WAMU/CHASE leftover debt place on 1/2010, Paid 8/2010) - reported on EQ, EX, TU
Remarks: I settled this account for less than full Balance before learning about PFD.
Sent GW e-mail requesting removal for EQ, EX, TU; granted - EQ score increased to N/A.

They sent me a 1099-C form "forgiven debt" which I had to report when I filed my 2011 taxes, but I was glad that it was gone!

1st."Medical Collection" (placed on 2010) - reported on EQ, EX, TU

Sent pre-HIPAA letter to all three for removal (thank you @guiness56!) granted.

2nd."Medical Collection" (placed on 2008) - reported on EQ, EX
Sent pre-HIPAA letter to both CRAs for removal - only EQ deleted. I've decided to leave EX alone for now.

3rd."Medical Collection" (placed on 2009) - reported on EQ only
Sent pre-HIPAA letter to EQ for removal; granted.

Wood Law PC (CA collecting DirecTV debt) - reported on EX, TU
Remarks: Paid-in-Full to the OC before learning about PFD.
I sent GW letters to Wood Law and DirecTV, none of them replied back.
I started a dispute with EX and TU to verify this account.
After investigation: EX and TU removed the collection. WOOO!

BADDIES STILL ON CR:

Public Record (Civil judgment 2008, Paid 2012) - reported EX
As of today, I have sent THREE MOV letters to EX; they refuse on verifying the correct furnisher's information.

CFNA Charge-off (Closed 2010, Paid 2012) - reported on EQ, EX, TU
I have recently settled this account because they refused to PFD. EQ score increased to 576 from 561. I'm guessing FICO was counting part of util%?
I have attempted ONE GW letter, it has not been granted so far, currently looking for better GW contacts, anyone?

Fall off Date: 10/2016

GECRB/PayPal Charge-off (Closed 2010, Paid 2010) - reported on EQ, EX, TU
I settled this account for less than full Balance before learning about PFD.
I have sent endless letters and e-mails since January, they refuse to remove the TL!
Fall off Date: 10/2016
**Giving it a break on getting this removed**

HSBC Charge-off (Closed 2010, Paid 2010) - reported on EQ, EX, TU
I settled this account for less than full Balance before learning about PFD.
I have sent endless letters and e-mails since January, they refuse to remove the TL!
Fall off Date: 11/2016
**Giving it a break on getting this removed**

PNC Auto Loan (Closed 2010, PIF 2010) - reported on EQ, EX, TU
Worst delinquency: several 30+ days late, 13 times to be exact!
I was involved in a car accident which resulted the car bein totaled, insurance PIF the balance owed.
I have sent several GW letters since January, they refuse to remove the lates.
However, I have recently found an executive resolutions e-mail and got a call back saying they'll look over the acct and give me an answer soon.
Fall off Date: 01/2017

Fair Collections and Outsourcing (CA placed on 7/2006) - reported on EQ, EX, TU
This collection was added to my CR because my name was put on a rental lease and the primary individual renting broke it and did not pay the last month. I was force to take care of this debt because at the time I needed to purchase a car, therefore I could only settle this account for less than full Balance in 2007. I have sent GW letters and e-mails since January explaining the CA my role of responsibility, they refuse to remove it.
Fall off Date: 03/2013

SallieMae (recent lates: 1 60+ and 1 90+ on 8/2011) - reported on EQ, EX, TU
These are TWO tradelines: I honestly have not attempted to GW these lates yet.
According to EX, these two accounts will go into positive status on 8/2018. (Ouch)

TBL (CA placed on 12/2010) - reported on TU only
Fall Semester my FAFSA did not go thru therefore tuition balance ($3714) went into collections.
Even though I'm unemployed atm, I am currently paying it down. Balance left: $170.
I will be sending bunch of GW letters after this is PIF, good thing it's only reporting on TU!

4th. *NEW* "medical collection" (placed on 4/2012) - reported on EQ only
Had an accident insidea COSTCO last year, I expected them to take care of the ER/Hospital visit since they said they would by having me fill out some paperwork, but boy was I wrong! Now one of the bills has been sent to collections and placed on my CR! I'm currently taking care of this, will post back once I get some results.
EQ score decreased to 551 from 592!

NEW "REBUILDING" TRADELINES I HAVE ADDED:

Capital One (opened 1/2012) - reported on EQ, EX, TU
EQ score increased to 579.
Current - no late payments

Orchard Bank (opened 1/2012) - reported on EQ, EX, TU
EQ score increased to 592.
Current - no late payments

Apple Auto Loan (2/2012) - reported on EQ, EX, TU
EQ score increased to 561 from 551.
Current - no late payments
Refinanced my Capital One auto loan; previous APR 26.99% down to APR 9.24% - I'd like to THANK everyone on this forum for opening my eyes into checking out local Credit Unions!

- Thanks for reading! will check back in once I keep getting baddies removed! *crosses fingers*

[hdrider07]

I am having the same trouble with EX and a paid judgment.

[kobe2012]

Hi, I was wondering if you paid those Medical collections before of after you sent pre HiPPA? I have a medical collection from 2006 that was put on collection on 2010 and I called the CA and she said as soon as I pay, they will remove the account off of the 3 CRA's . I am hesitant to pay because she did not wanna send me a letter stating PFD after payment when I asked her to.

[injustifiiable]

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hdrider07 wrote:

I am having the same trouble with EX and a paid judgment.

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EX is being a pain in my butt at the moment too. Sent 2nd MOV and they just sent another copy of my credit report *eyeroll*

Maybe if I sent a letter threatening to sue them in small claims..

[FairCredBen]

I wouldnt do that lol... you are long on your way to credit repair! 

You are doing great! just need to keep your head in the game. 

[UpmyscoreinFL]

You are doing great so the hippa letter was your item placed in dispute by equifax pending their investigation or did the letter get it automattiically deleted? I got an alert today and mine is underincpvestigation. If this comes off I will gain 19 points. Crossing my fingers and thanks again for the pm.

[rckstrscott]

Fair Collections and Outsourcing is such a turd of aCA when it comes to deletions and GW requests... I have an account with them too..

I finally got ahold of an account rep there, after dozens of emails and letters, and he flat out told me that they never do deletions, because their clients are almost all property managment companies... in their sales pitch to these companies, they stress their hardline approach to tradeline deletions as an effective method to announce to other property managers to be careful leasing to people with their accounts, because they clearly have been delinquent on other properties..

I respected his honest response, and it totally makes sense regardless if I don't like it...

Here is what I did with: FCO --- I appealed straight to the property managment company. I worked with the company who evicted me, and explained what happend, and why I needed the removal (also explaining that I am already going to get dinged for the public record judgment against me) and they agreed to ask FCO for the removal, and they complied.

Have you tried working with the OC on this?

[hdrider07]

I doubt threatening to sue would work.  I am going to try sending them the same letter every 2 weeks and see how that works, I may even try just regular mail not certified.

[2NE1]

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kobe2012 wrote:
Hi, I was wondering if you paid those Medical collections before of after you sent pre HiPPA? I have a medical collection from 2006 that was put on collection on 2010 and I called the CA and she said as soon as I pay, they will remove the account off of the 3 CRA's . I am hesitant to pay because she did not wanna send me a letter stating PFD after payment when I asked her to.

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Nope, my three medical bills were unpaid when I sent the pre-HIPAA letters to the CRAs.

Well, if she verbally agreed to remove the collection, that's a chance you're willing to risk? some people have had success with verbal agreements, for other those unfortunately didn't work. Have you checked if the OC is willing to take a payment too? HIPAA will work for you if you pay the OC instead.

[2NE1]

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UpmyscoreinFL wrote:
You are doing great so the hippa letter was your item placed in dispute by equifax pending their investigation or did the letter get it automattiically deleted? I got an alert today and mine is underincpvestigation. If this comes off I will gain 19 points. Crossing my fingers and thanks again for the pm.

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Yes, EQ and TU automatically removed my unpaid medical collections. Good luck with yours!