I started repairing my report a year ago. I didnt know about my fico forums till later on. So i did what i thought would help. I paid off all the collections most fell off my report with a few disputes in the following months. All that remain are comenity/bank , First prem, and pinnacle (ca). Theyre all settled less than the full amount ive disputed to have them removed but they wont budge. Theyre all going to fall off in two years time but id like to have a clean report sooner. What can i do to take care of this mess? I have no idea where to begin...
Shogun? Help
Shogun? Help
Starting Score: 501 EX FAKO
Comenity bank.. I had those when they were WFNNB. They will fold with a little work. I did it. I kept sending GW after GW and they didn't remove my accounts, they marked them all paid as agreed. Total of 5 of them. I just kept sendind to the address on my CR, nothing special.
I've never had the other two, however I've seen plenty success from Pinnacle. First Prem might take a bit. Get the GWs going. Go get some envelopes and some stamps and get the ball rolling! Write a couple of GWs and PM them to me. We can tweak them out a bit.
On a side note. What's your scores at now and what good accounts do you have? You should be building and cleaning at the same time.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
My scores are the same since two days ago. 627-653. I got the walmart card with a 600 limit like you said, applied bank secured card for the past year. May card showing 100 CL never late for four years. Several student loans in good standing since December of last year. No mortgage or car loan.
How personal do the Gws have to be? I've paid off the collection comienty bank assigned the case too. Got the receipts for it. May i see an example of your gw to them?
How personal do the Gws have to be? I've paid off the collection comienty bank assigned the case too. Got the receipts for it. May i see an example of your gw to them?
That should ready macy's card. I've been doing all of this through a phone and seven inch tablet. So i apologize for my mistakes .
If anyone has copies of gws to pinnacle and the other two may i take a look at them and use them as a reference guide ?
I sent a PM.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Thanks guys