Just wanted to share my success story regarding Finanical Credit Network today...
I've been reparing my CR for some time now, but I haven't been able to address the only collection on my CR: $67 (SoCal Gas Co) which was PIF back in 2009. I pulled my FICO scores the other day, tracked down the number for FCN and gave them a buzz. I politely asked for the collection account to be removed, and while at first they said that they are reporting correctly, a supervisor came on the line and approved the removal...since it was so old and paid in full. I was told they update the scores in a weeks time and that the adjustment wouldn't show on my CR for about 45 days. Additionally, I was told that I would be receiving a letter in the mail stating the above information.
Wow - that feels pretty good.
Starting Score: 545 Current Score: 650 Goal Score: 750
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+ Take the myFICO Fitness Challenge 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!
June 2017 update: All scores over 820, just pure gardening now.