I am way too embarrassed to post my scores at this point, let's just say that they have dropped by hundreds. I was doing well and had clean credit and then family illness hit along with bad luck, and I am starting over to clean up my reports. What I need are addresses so that I can do the Saturation Technique for the following creditors and I haven't had lots of luck finding addresses. So hopefully all of you who are more savvy than I am can help and provide some tips for me. Please PM me contact information on the following:
Navient
Capital One (sent one on Monday)
Synchrony/Pay Pal Smart Connect
Wells Fargo Auto
First Premier
MidAmerica Bank (Continental Finance)
I know that it's a leap of faith to try to do this, but I guess it's better than doing nothing. Also, for those of you who have used this technique, have you ever asked just that the whole TL is removed? I had some bad comments on Navient, and I called and asked that they be removed and all three CRAs agreed to do that. The first to respond was EQ and when I looked, they still had the comments on there. So I asked them to remove them again and he said that he could remove all of the TSs for Navient. Since I have a deep bench of credit, I said go ahead. We'll see what happens with them gone. He wouldn't remove Wells Fargo, however. I didn't really follow his explanation. He said that Navient said that all of them could be removed. We'll see what it does to my score! There were a batch that had 90-day lates so that is good if they are gone. They will be on the other two as far as I know, but maybe all can be removed from them eventually?
Thanks for following along and any anticipated help!
In the 600's, moving toward 700's and 10K in credit. My motto: At the end of my life I want to be able to say "I wish I hadn't," not "I wish I had."
