I've still got some delinquencies on my various student loans to deal with, but this was the worst single item on my CR, so this is a big step forward for me.
Starting Score: 617 (EQ 6/10/2012)
LionLaw wrote:
Just heard back from a rep at the JPM Chase executive offices. They immediately offered to delete the whole TL; should take 30-60 days to show up on my CR. I'll consider that a major success!
I've still got some delinquencies on my various student loans to deal with, but this was the worst single item on my CR, so this is a big step forward for me.
Congratulations!!! One more step in the right direction!! 
Mine was off within the week, so you may see results sooner!!
Well, my Score Watch just came in, and I'm up from a 617 to a 649! Deleting that one TL made a huge difference!
Next month, I will bring my CC utilization down from about 60% to under 10% (Even though my CC bills are frequently about that high, I've always paid in full every month; until I joined this forum, I didn't realize that the consistently high statement balance every month was hurting my score). I'm hoping that will bring my score up another few points.
I'm hoping for another bump in September or October, when my most recent late payment on any account will turn one year old.
I'm still working away at getting my various student loan late payments removed through goodwill, but I haven't heard anything yet.
Charge off removed from EQ and EX, just waiting for TU! The Chase representative was extremely helpful and understanding. Thanks to everyone for your support, motivation, and guidance. Score have reflected the removal. If you have not received a POC for Chase, please PM me and I will send it to you. Thanks again!!
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