Hi all, first off I'd like to thank you all for this great forum. Inspiring and helpful to say the least. This is my first post.
Been rebuilding for about 8 months now. Scores are currently hovering around 600. Started at around 500.
The good:
Cap1 Secured - 200 (12/17)
Discover Secured - 200 (08/17)
Citi Secured - 200 (5/17)
J Crew - 250 (11/17)
Buckle - 250 (10/17)
Express - 250 (10/17)
Self Lender rebuild loan (12/17, 12mo)
(All current, 100% on time and util hovers around 5-10%)
The bad-
2 COs from Cap 1 (DOFD ~ 08/14)
- 1 paid (asked for GW removal but denied once so far)
- 1 unpaid, currently working with a nice lady from EO to get it recalled back into their hands so I can work it out with Cap1 rather than scary PRA
CO from Credit One, (DOFD ~ 08/14)
- GW email sent to EO Friday 03/24, got generic email response and then yesterday I got a letter in the mail stating they will remove the TL from all 3 CRAs!! Sweet!
Expecting score to drop due to AAOA but hey, one less baddie!
Can't thank you guys enough for being able to pick your credit savvy minds constantly to keep me on track during my rebuild.
