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Help in rebuilding my credit

Established Member

Re: Status as of Sep, 2012 Re: Help in rebuilding my credit

Like just letting know as there's currently nothing owed if it can be removed due to having a 0 balance?

 

Sorry for so many questions just trying to see what i need to be done.

Message 11 of 15
Moderator Emeritus

Re: Status as of Sep, 2012 Re: Help in rebuilding my credit

Right, if there is $0 balance owed to them, then there is no debt to them, so an attempt to GW them to have it removed will do no harm, it might just get that negative deleted.

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.
Message 12 of 15
Established Member

Re: Status as of Sep, 2012 Re: Help in rebuilding my credit

Hmm i'll try to see if there's any letter than i can get an send them out

Message 13 of 15
Established Member

Re: Status as of Sep, 2012 Re: Help in rebuilding my credit

On the good will letters; I dont send those to the ones that are showing Paid as Agreed  for my student loans with a zero balance right? In my opinion are helping my credit?  After reading the board, Im thinking of sending the Credit Advocate Sallie Mae and email with my request as I was able to rehab these loans below.

Do you think i'll have any success in that?  The ones that are showing before rehab what's the likely hood that I might be able to get some assistance?

 

Rehab loans combined in 2 loans:

 

Us Dept EdXXXXXXXXXXX9/2012$8,269Pays account as agreed  
 Us Dept EdXXXXXXXXXXX9/2012$5,354Pays account as agreed 

 

After Rehab :

Sallie MaeXXXXXXXXXXXXXXXX3/2006$0Pays account as agreed  
 Sallie MaeXXXXXXXXXXXXXXXX10/2003$0Pays account as agreed  
 Sallie MaeXXXXXXXXXXXXXXXX3/2006$0Pays account as agreed  
 Sallie MaeXXXXXXXXXXXXXXXX6/2004$0Pays account as agreed  
 Sallie MaeXXXXXXXXXXXXXXXX10/2003$0Pays account as agreed

 

 

These are the same accounts but showing past due before rehab;

 

Sallie MaeXXXXXXXXXXXXXXXX3/2006$0120+ days past due  
 Sallie MaeXXXXXXXXXXXXXXXX3/2006$0120+ days past due  
 Sallie MaeXXXXXXXXXXXXXXXX6/2004$0120+ days past due  
 Sallie MaeXXXXXXXXXXXXXXXX10/2003$0120+ days past due  
 Sallie MaeXXXXXXXXXXXXXXXX10/2003$0120+ days past due

 

Message 14 of 15
Moderator Emeritus

Re: Status as of Sep, 2012 Re: Help in rebuilding my credit

You are correct, only send to the ones with the baddies.

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.
Message 15 of 15