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Valued Member
Posts: 42
Registered: ‎05-30-2009
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First Sign of Success...

I just wanted to say thank you to all the people who wrote and replied to posts I read or posts I made. I have just started trying to reverse many of the the consequences from my financial illiterate days. I recently posted about my 29 late payments all from 2006-2007, my high utilization, and my settled BofA account. Last week I sent out my first round of GW to CapOne, FirstFB, and Macys with hopes of bringing down my late payment number and from the advice of many of the forum members. I go to the mailbox today and low and behold there was a letter from CapOne stating they were deleting my 3 late payments on my old account. Yeah!!!! I know that this is only the first step but I'm really excited about this. 
Established Contributor
Posts: 795
Registered: ‎04-13-2009
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Re: First Sign of Success...

That's pretty awesome, Cap1 doesn't give out GW often so congrats!
Senior Contributor
Posts: 4,383
Registered: ‎05-01-2008
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Re: First Sign of Success...

JoeBJay20 wrote:
That's pretty awesome, Cap1 doesn't give out GW often so congrats!

I'll second that!!!  Seriously!  I think this post here might be *maybe* the 3rd I've ever seen...and I read ALL the cap 1 letters here!


GOOD Goin my friend!!!  Big Congrats! Smiley Very Happy


What address did you use?  How long ago were your lates??  Was it a 30, 60, 90?


Starting Score: 02/2015 TU 709 - EQ 676 - EX 729
Current Score: 04/2017 TU 754 - EQ 757 - EX 747
Goal Score: 850

Bury me in the garden...last app 08.09.15

Valued Member
Posts: 42
Registered: ‎05-30-2009
0 Kudos

Re: First Sign of Success...



I had one 30 and two 60's. I sent it to the Utah address provided by the CRAs.


Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: First Sign of Success...

Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account

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