@Brooks14 wrote:
So my progress to date is this
Started with a 470 Eq - 2.5 years ago
Now have Ex 640 Eq 652 Tr 677
Positives
- Chase Auto Loan - Current And Never Missed A Payment - 2.5 Years Since Opened
- BofA Secured CC $1000 - Never Missed A Payment, Pay Full Balance Each Month - 7 Months Since Opened
- Citi Diamond Pref CC $1000 - Never Missed A Payment, Pay Full Balance Each Month - 3 Months Since Opened
- Chase Freedom CC $1000 - Just Got But Will Never Miss A Payment - 1 Day Since Opened
- 8% CC Utilization
- Nothing In Collections
-,No Judgements or Liens
- No Debt Apart From Car Loan. Everything Paid In Full
Negatives - But All Paid In Full
- Capital One CC $2000 - Paid Charge Off - Account Closed By Credit Grantor - 120+ Days Late - Due To Come Off 2017
- BofA Secured CC $2000 - Paid - Account Closed By Credit Grantor - 60 Day Late - Due To Come Off 2017
- First Premier CC $700 - Paid Charge Off - Account Closed By Credit Grantor - 120+ Days Late - Due To Come Off 2017
- 2 Hard Inquiries
- AAoA 2 Years
- Sent GW letters to all the negative CC accounts above and they won't help.
What else can I do to fix my credit? I am lost on where to go next. Any tips? Or is it just a waiting game now since those neg accts don't fall off till 2017. Any advice would be great!
Thanks
Keep GW's going out
It only takes 1 to be successful but don't give up
Keep those GWs going. You have turned it around!!! Three letters a month is nothing! I'm sending out 17 a month right now to get things removed.
@myjourney wrote:
@Brooks14 wrote:
So my progress to date is this
Started with a 470 Eq - 2.5 years ago
Now have Ex 640 Eq 652 Tr 677
Positives
- Chase Auto Loan - Current And Never Missed A Payment - 2.5 Years Since Opened
- BofA Secured CC $1000 - Never Missed A Payment, Pay Full Balance Each Month - 7 Months Since Opened
- Citi Diamond Pref CC $1000 - Never Missed A Payment, Pay Full Balance Each Month - 3 Months Since Opened
- Chase Freedom CC $1000 - Just Got But Will Never Miss A Payment - 1 Day Since Opened
- 8% CC Utilization
- Nothing In Collections
-,No Judgements or Liens
- No Debt Apart From Car Loan. Everything Paid In Full
Negatives - But All Paid In Full
- Capital One CC $2000 - Paid Charge Off - Account Closed By Credit Grantor - 120+ Days Late - Due To Come Off 2017
- BofA Secured CC $2000 - Paid - Account Closed By Credit Grantor - 60 Day Late - Due To Come Off 2017
- First Premier CC $700 - Paid Charge Off - Account Closed By Credit Grantor - 120+ Days Late - Due To Come Off 2017
- 2 Hard Inquiries
- AAoA 2 Years
- Sent GW letters to all the negative CC accounts above and they won't help.
What else can I do to fix my credit? I am lost on where to go next. Any tips? Or is it just a waiting game now since those neg accts don't fall off till 2017. Any advice would be great!
ThanksKeep GW's going out
It only takes 1 to be successful but don't give up
I agree! Keep goodwilling.. I am still in the same boat, I have ONE account that I can't shake.. I keep trying everything I can think of..
It falls off in two years, but ya know ,it doesn't hurt to keep at it.
An aside... 10k posts in 6 months! HOLY SMOKES someone has been busy!
-scott
I have a CapOne ChargeOff on my record and it had a lot of Lates on it...some 30...some 60...back and forth like that for entire history of account. It was also paid already, but the lates were still there. I sent GW letters over and over again and while the charge off is still there, they removed all the lates and my score jumped up a bit. Nothing else had changed on my report so I assumed it was all the lates going away. Either way, it doesn't hurt to keep sending out the GWs.
