Starting Score: 539 EQ 06/19/2012
The foreclosure on my house is set to go through this month finally after about two years of dealing with it. That will mean a hit on my report but its a huge relief that the clock will start on aging that off my report.
I had two state income tax liens on my report. Both are now paid in full. The CRAs won't delete from my report, but they have at least updates to paid and can begin aging off my report.
I still have the HSBC charge off, Capital One (settled for less than full amount), RJM Acquisitions, NCA, and State Collections accounts to deal with. Everything else remains current with no lates.
NCA collection is linked to the HSBC charge off. If I pay the CA will the OC be more open to a GW deletion?
Capital One already turned down one attempt to get a GW deletion. I have a secured card with them that is current, never been late, and I've had since April 2012. What should my next step be with this account? Should I offer to pay the rest of the amount owed in exchange for a delete? If they won't do that would it be beneficial to pay that amount anyways to update the account to paid in full?
RJM Acquisitions has agreed to a pay for delete. That will be paid this month.
State Collections only shows on one CA but I have heard they are open to PFD letters. That account is on the list for this month also.
I also have federal income taxes owed that should be paid in full by March, but those don't show on my credit report. Knowing all of this, how long will it take to see my site start climbing again after the foreclosure goes through? That and the tax liens are the biggest hits to my credit but they can only be improved with time.
Just got off the phone with RJM Acquisitions - PFD agreement was accepted at 40% of the amount owed. That will be off my report in 30-60 days 
That was showing on both EX and TU, so that should bring both of those scores up.
Just got my EX report updated to show a Tax Lien as paid in full - but no score increase there 
At least it looks better on manual review of my report, though.
Progress!!!! Congrats!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012 TransUnion - these are the only two collections. Both will be removed.
Experian - Only RJM was showing and it's one of just two negative accounts on my report.
Equifax wasn't showing any of these.
How much can I expect my score to go up based on this?
If you have no other baddies, these are the last and you have some positive TLs including a couple revolving accounts. A huge jump. Just my opinion though.
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
State Tax Liens - called the CRA's - all I need is a letter from the State of Maine stating that the liens should be removed. Called the State of Maine - they have NO program like the Fed IRS to remove these and will not do anything to help me. ARGH!
RJM Acquisitions came off my Experian report - no score boost at all there.
RJM and State Collections have not updated on my TransUnion report.
Was hoping for better news
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