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30 point jump!!!!

Moderator Emeritus

30 point jump!!!!

Oh yeah...  Doing the happy dance!!!!  myFICO rocks!!!!!!!!!!!

 

Past week:  

Discover:  Lates removed

Santander #1:  Late removed.  (updated today, just talked to them yesterday)

Santander #2:  Said late would be removed (haven't updated yet)

3 Medical Collections removed.

Portfolio:  Added a collection (Sent DV and awaiting.  Prepared to offer PFD)

 

That's it so far this week!

Starting Score: 504
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.
Message 1 of 12
11 REPLIES
Epic Contributor

Re: 30 point jump!!!!

Message 2 of 12
Valued Member

Re: 30 point jump!!!!

Congratulations on the increase!  Santander is very difficult and that is awesome you got the lates deleted.  I have have 3 30 day lates that reported  2009  that I have been trying to get removed on a loan that I PIF this past Jan and I wanted to know did you send GW letters or were you able to get the late(s) deleted via phone?  If you have any specific e-mail or contact information for someone there would you please PM me the information?  I am trying to get pre qualified for home loan.  Thank you!

Message 3 of 12
Moderator Emeritus

Re: 30 point jump!!!!

Chelsea, acutally I just launched an email off their website to their payment department.  I got an email back from them 3 days later with a number to call.  I called the number and got ahold of a nice guy who said he would update my account.  I had two accounts and a late from each one that stemmed from when they switched from HSBC Auto and Citi Auto.  Just talked to him yesterday and one account already updated today.

Starting Score: 504
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.
Message 4 of 12
Valued Contributor

Re: 30 point jump!!!!

3 medical collections removed?

It's a blessed day for you !!

 

 

Message 5 of 12
New Contributor

Re: 30 point jump!!!!

Can you hit the rest of us who have been through this with Santander the number? You can message it to me. Thanks!


Starting Scores: TU 540 EQ 483 EX 559 (PSECU)
Current Scores: TU 634 (WALMART) EQ 631(MYFICO) EX 654 (PSECU)
Goal Score: All At 700


Take the FICO Fitness Challenge
Message 6 of 12
Moderator Emeritus

Re: 30 point jump!!!!

Please contact Santander Consumer USA Credit Dispute Hotline at       866-923-9282 or  214-237-3430  for further instruction on how to have your credit reporting inaccuracies verified.

 

Starting Score: 504
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.
Message 7 of 12
Moderator Emeritus

Re: 30 point jump!!!!

The guy was super helpful.  I did have a legitimate dispute and am 6 months ahead on current payments.  That might have helped but good luck!.   YMMV

Starting Score: 504
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.
Message 8 of 12
Moderator Emeritus

Re: 30 point jump!!!!

I hope there's no problem with posting the number.  It's a generic number, not to anyone in particular so I don't think it violates anything.  If it does, sorry in advance and I'll take my spanking and learn.  Thanks.

Starting Score: 504
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.
Message 9 of 12
Contributor

Re: 30 point jump!!!!

Could you tell me what credit monitoring service you used?  I am currently trying to find one that monitors my score on a daily basis....


Starting Score: 506
Current Score: 565
Goal Score: 700


Take the FICO Fitness Challenge
Message 10 of 12