Experian Success - sharing my results thus far

[rubicon]

So I've been doing what we all do, PFD and request verification from CRA's and I had a win today!

My EXP file looks like this:

Collections: 0

Public Records: 0

Inquiries: 1

Current Experian FICO - 592

I have two new accounts that I just opened within the past two weeks (Cap 1 Platinum Secured and Navy Federal nrewards secured) and i cannot WAIT to see how my Experian FICO responds to it!!

[Anonymous]

Good job. What type of collections were these? Medical?

[rubicon]

3 medical all with the same CA (first federal) and I did a PFD with them and then I had two utilities

[Anonymous]

great progress.

I think the most important take away is having good payment habits.

I think we can all have 700 scores, however if we dont pay ontime and or over extend

then all our hard work will just go poof , go away.

again , congrats on the zero collections....lete keep it going.

[rubicon]

I'm wondering if i should invest effort into requesting deletion of some late pays on my Exeter finance auto loan..i may have 6 over 2 years

[Anonymous]

My friend , I dont think it will make a difference.

I think they are too age already.

if you have the time , go for it.

however I would not stress it.

correct me if am wrong , you have the knowledge to no make the same mistakes again.

far mor better than stressing removing a late. agree

[Rebuilding69]

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@rubicon wrote:
I'm wondering if i should invest effort into requesting deletion of some late pays on my Exeter finance auto loan..i may have 6 over 2 years

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I would. Honestly it takes all of a couple minutes to craft a GW letter once you know the gist of what you are doing & want to say. The return on that investment can be tremendous. Worst case, you lose a few minutes of your life for nothing I guess?

[RonM21]

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@rubicon wrote:

So I've been doing what we all do, PFD and request verification from CRA's and I had a win today!

My EXP file looks like this:

Collections: 0

Public Records: 0

Inquiries: 1

Current Experian FICO - 592

I have two new accounts that I just opened within the past two weeks (Cap 1 Platinum Secured and Navy Federal nrewards secured) and i cannot WAIT to see how my Experian FICO responds to it!!

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Congrats on the success