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FANTASTIC!!!!!! This is fabulous! Way to go!!
Do you know if your other FICO's have also had so much progress?! I hope they have. You've done just simply fantastic. Thanks for sharing.
WOW. Can you take over my efforts!!?? lol
These forums are so helpful. Congrats to you and your score increase!!
Grats. wow that was an amazing jump. If I may ask what was the single biggest thing you did to help?
Thank you everyone! Yes, Equifax is the highest score...they seem to be good about deleting stuff. TransUnion is second highest, they are also good about deleting negs. Experian, however, is one TOUGH cookie! They list the lates differently and it's hard to get them to remove them. But other than that, VERY proud of what I've accomplished! Never thought I'd be in the 700 club and now I'm shooting for 800! Couldn't have done it without the help of these forums!
All I did was call the original creditor that my collection was for and since I paid them instead of the CA, they called the CA for me and told them to remove it from my credit. Also, I often go to the bureaus sites and dispute lates and negative descriptions. And finally, I sent a few emails to the creditors for the lates that i knew i was actually late on to ask them to remove them. Some did, some didn't. I'll keep sending GW emails occasionally until someone agrees to do it. I don't like when people tell me "no"...
wow awesome job
Oh my GOD! I worked for a year to get 40 points and I'm still too low.
"...I believe I can fly...I believe I can touch the sky..."