11-08-2010 06:54 AM
Goodmorning My Fico,
I have been sending goodwill letters until my hands hurt . I have deleted 14 accounts so far,they all was chargeoff. I had teo HSBC accounts that showed delinquency,
Hsbc RZ 120 LATE still open removed late payments and Hsbc Pink card chargeoff was removed. Thank god on all three of my credit reports I have a total of 72 positive accounts never late. I was just approved for American Optima ard to rebuild my credit . Still have a lot of work to go but I see sunlight now. About a year ago I had around 20-24 negative accounts and this is what I have left.
Accounts that is left
1.American Express paid waiting for a update
2.Chase Bank paid waiting for a response
3.CitiCards paid settlement
6.Americredit about to fall off next year but considering to settle with them so they don't pop up again
7.Dell Financial drop off next month making settlement off now.
8. Credit One Bank paid only showing on my Experian report
9. Sallie private career training loan paid GW LETTER
Lets see what November will bring in .
11-08-2010 07:02 AM
Thats great news. Could you please PM me the contact info you used for HSBC? I'm just starting this long journey myself. Thanks.
11-09-2010 08:15 AM
Congrats..that is great news. I sent out a GW to HSBC yesterday. I have 3 (30 day lates)..can you please send me the info you used, in case my GW gets shredded.
Thank you so much. and again congrats that"s awesome
11-28-2010 07:12 PM
Chamire, congratulations on your success!
Would you also PM me with your contact person at HSBC?
Thank you and congrats again.
11-28-2010 09:02 PM
Can you PM me the info too?
I have gone round and round with HSBC for 2 1/2 years on 2 CO accounts from 2002 they just couldn't report right they finally fell off.
This round I have some lates that I would like to get removed, I sent an email to someone it may or may not be the same one you spoke with.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.