RESPONSE RECIEVED 7-16-08 via mail from TRANSUNION...
Of 7 disputed collections... 6 deleted SWEET!
1 updated :-( need to dv that one... should have started with dv letters, never recieved response from pfd...
Action Taken 7-18-08 - Contacted ORCHARD to see about a credit limit increase as my credit has improved, my payment history is impeccable...
They said too soon, but don't worry we'll regularly review and raise the limit.
I asked how regularly?
They couldn't specify, but offered me a great ten dollar a month discount program to make it easier to spend all my available credit...
I declined... they insisted, I declined more forcefully... *sigh*
They didn't seem to understand why I wasn't excited to spend ten bucks a month for discounts at unspecified retail outlets... Their confidence in my intelligence might explain the low credit limit.
Major deductions in points remaining on credit report:
Multiple derogs on EXP, haven't heard response RE disputes yet... Need to resolve PR.
Available credit is low - $299. Still, it's 99% available, so that helps, right?
Still have lates on 2 accounts - Car loan and Student loan, no word yet on GW letters.
Last late on car was AUG 07 - soon will be more than 1 year.
Last late on Student Loan was MAR 08 - that will probably take a while to disappear.
Most recent CA OCT 06 - Veriz__ resid___ Phon__ - awaiting response from GW letter, disputed on E & E, TU deleted. I paid this off before I knew about PFD, my bad.
Next most recent NEMO_ Collec____ for $69 medical in 5-2005, shows unpaind on Equi (why does everything land on that one?) I have proof of payment, need to DV... Insurance paid, I paid copay, but still got bill. VERY FRUSTRATING. Paid to avoid credit issue, still got shafted. Should have DV'd or told them to go to hel_.
Continued plan of action:
Tackle most recent first, work my way back, clear recent history.
Get moving on DV letters, follow with more CB disputes.
Work on vacating judgement.
Follow up on GW letters for lates - re-send to multiple contacts until desired response is recieved.
GET TO 700 CLUB BY JUN 2010