Finally - All 3 CA showing 0 Collections!

[newmomnewme]

Way to Go!!!! I can't wait to be able to write a post exactly like yours...keep us in the loop so we can join in celebrating with every score boost!!! Congrats.

[credit_challenged09]

great job!  keep up the great work!  we're all in this rebuilding struggle together...

[C_DUBYA]

Thanks all!!

As far as HOW I managed to jump so high so quickly?  I paid everything off that was bad.  And then I asked for PFD.  What I found was, most deleted from my report WITHOUT asking.  I dont know if I am just lucky or what.  70% were removed without any PFD, etc.  The other 30% I requested PFD.  Right now there is only 1 but its not showing as a collection, and is showing a 0 balance.  

My next step since I am now at a 4% utilization, and 0 collections is to start GW sending for the late payments.  I have 2 cards that went 120 days and are long since closed.  I am hoping they will be deleted (doubt it).  Besides that its all about not missing any payments and the score growing its normal way.  

I know not all can do my route because financially we dont always have the $$ to pay it all off.  I was LUCKY to sell my home for a profit and using that.  

Good luck all!  On my way to my first goal of 640!  Then beyond.