It really feels like I am stuck now...I have tried all there is...and I don't know what else to do...this is what my reports look like now...
Crown Jewelers $20/2500 (.8%UTL ) Bank of America $427/500 (85%UTL) Continential $325/375 (87%UTL HSBC Bank $263/300 (88%UTL) HSBC BB CO $0 (sold to LVNV Funding) HSBC Bank CO $0 (did a PFD with the CA...sent 4 GW last month...no response) First Premier CO $0 (settled for less than full amount...keep denying GW letters)
Installments: LVNV Funding $948 (recently send a DV CMR)
American Thrift CO $0 (been sending GW letters...no response...)
Crescent Bank & Trust $10571 (paying as agreed...never late)
Central Financial Control $500
Crown Jewelers $20/2500 (.8%UTL ) Bank of America $427/500 (85%UTL) Continential $325/375 (87%UTL) HSBC Bank $263/300 (88%UTL) HSBC BB CO $0 (1 90+ late...Apr 2006) HSBC Bank CO $0 (1 90+ late...May 2007) First Premier CO $0 (1 30+ late...Dec 04...1 60+ late...Jan 05...5 90+ lates...Feb 05...Mar 05...Apr 05...Nov 05...Nov 05...yes it say Nov 05 twice)
I am just starting to send DVs, GWs, etc. on my DD and DDH. The medical collections on my DD are overwhelming me. Some date as far back as 2002 and some are as new as 2006! DDH only has two med collections, but was heading for default on his student loans, until last week. DDH had an excellent credit history. But for some reason he didn't pay his Home Depot CC for two months. That fact combined with the SL arrears and the two recent med collections sent his score nose diving 512, 513 and 533. I am hoping the student loan forbearance will help out a little and we did catch up Home Depot.
And we have LNVN and AFNI to contend with, but I am ready for them.....I have found numerous discrepancies with the way they have reported!
__________________________________________________________ "Many people who order their lives rightly in all other ways are kept in poverty by their lack of gratitude." Wallace Wattles
I know how you feel, Sly. There comes a time where you look at others' success and then you compare it to your own and it almost gets depressing. It is worse when you give advice on a baddie that you have. Then you get an updated post only to see that it worked for them but not for you.
I'm working on DW's with the same veracity as mine own. My accounts have been the same since February. DW just in the past 3 weeks had 2 COs come off and 5 lates via GWs and CRTP. Her scores go up 60-70 points and mine drop a little. On top of that, her CA is newer than mine and she has one more baddie than I do and her scores are higher, topping 700. What's up with that? Oh well!
I remember Dory, the blue fish in Finding Nemo. What was the song that she would sing? Just keep swimming? Just keep typing, just keep printing, just keep mailing, mmmm mmmmmmm.
I know...I just knew for sure HSBC was going to delete the lates....seems like so many people were posting successes with those 4 addresses...and no luck for me...I know just know First Premier are not going to delete anything...I just found 5 more addresses for my American Thrift & FInance...car loan CO...my Microsoft Office says its locked...so I can't seem to type...or upload anything....but it I have to hand write these letters...I'm sending them....