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
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!!!
Congrats!!
Starting Score: 504
Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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