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Established Member
ralcantara04
Posts: 21
Registered: ‎05-07-2012
0

FINALLY!!! Credit One Bank Success!!!

Pulled up my credit reports for the month....

 

 

Credit One Bank Charge Off --- DELETED

 

 

Thanks to everyone for their help, support, and advice!!!!

 

 

 

Just have to figure out how to crack Capital One and First Premier.....

 

 

 

On the way to my dream of having high enough credit scores for an FHA mortgage on my first home!!!!...Keep Pushing!!!


Starting Score: (TU) 581 (EQ) 577 (EX) 546 - - March 2012
Current Score: 7/2012(TU) 644 (EQ) 600 (EX) 586 --> 8/2012 (TU) 646 (EQ) 625 (EX) ?
Goal Score: 640 across the board to qualify for FHA home loan


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Frequent Contributor
digitaldiva
Posts: 447
Registered: ‎03-09-2011
0

Re: FINALLY!!! Credit One Bank Success!!!

Congrats!!!



Enjoying your freedom? Thank a servicemember and their family!!!

In the garden since 05 Aug 14...
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

Re: FINALLY!!! Credit One Bank Success!!!

more details my buddie

 


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Established Member
ralcantara04
Posts: 21
Registered: ‎05-07-2012
0

Re: FINALLY!!! Credit One Bank Success!!!

I did a number of things with this account, so I'm not completely sure which one worked, but this is what I did, and the paid charge-off was deleted from all 3 reports....

 

Disputed credit one account with all 3 bureaus via CMRRR

 

after I received a "validated/verified" response from all 3 bureaus, I sent a dispute to credit one bank (623 dispute)

at the same time that I did this, I sent a MOV (611) to all three bureaus

 

Credit One sent a letter stating that the account was verified

at this time, I still did not receive the MOVs from the bureaus

 

I sent a letter via CMRRR to Credit One requesting that they send me all documents pertaining to my account

I sent a GW email to the CEO of credit one

 

Charge-off removed a little over a month later!!!!

 

 

If you need any contact info, let me know and I can PM you the info...everyone in this forum has been so nice to help, and I don't mind paying it forward!!!


Starting Score: (TU) 581 (EQ) 577 (EX) 546 - - March 2012
Current Score: 7/2012(TU) 644 (EQ) 600 (EX) 586 --> 8/2012 (TU) 646 (EQ) 625 (EX) ?
Goal Score: 640 across the board to qualify for FHA home loan


Take the FICO Fitness Challenge
New Member
Aholder
Posts: 1
Registered: ‎09-02-2012
0

Re: FINALLY!!! Credit One Bank Success!!!

I have one with first premier any suggestions that is what I am try to do is get a home loan mine is 573
Established Member
ralcantara04
Posts: 21
Registered: ‎05-07-2012
0

Re: FINALLY!!! Credit One Bank Success!!!

Wish I could help with first premier. I've been working on them forever with no luck. From what I've received from them and what I've read on the forums, First Premier doesn't do GW whatsoever.

Starting Score: (TU) 581 (EQ) 577 (EX) 546 - - March 2012
Current Score: 7/2012(TU) 644 (EQ) 600 (EX) 586 --> 8/2012 (TU) 646 (EQ) 625 (EX) ?
Goal Score: 640 across the board to qualify for FHA home loan


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: FINALLY!!! Credit One Bank Success!!!

Congrats!!

 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Member
sanchez1278
Posts: 14
Registered: ‎08-29-2012
0

Re: FINALLY!!! Credit One Bank Success!!!

Congrat!!!  I am working on getting Credit One Bank off my report, if you could PM me CEO email I would greatly appreciate it.  Thank you

Established Member
ralcantara04
Posts: 21
Registered: ‎05-07-2012

Re: FINALLY!!! Credit One Bank Success!!!

Thanks digitaldiva and shogun!

 

 

PM sent sanchez1278 :smileyhappy:


Starting Score: (TU) 581 (EQ) 577 (EX) 546 - - March 2012
Current Score: 7/2012(TU) 644 (EQ) 600 (EX) 586 --> 8/2012 (TU) 646 (EQ) 625 (EX) ?
Goal Score: 640 across the board to qualify for FHA home loan


Take the FICO Fitness Challenge
New Contributor
RocketChick
Posts: 68
Registered: ‎06-20-2012
0

Re: FINALLY!!! Credit One Bank Success!!!

Congrats! Could you pm me the contact info also please?

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