I haven't posted much but I have been reading these forums everyday for a while now. My credit scores started out in the 490's and are now in the 630's.
So first off, in 2010 I was deployed to Iraq, submitted my paperwork to Capital One but they never lowered my interest rate. Being young and dumb I didn't pay anymore attention to it. Well, while I was deployed my car was reposessed in December and redeemed in January. So after reading about the lawsuit I decided to resubmit my dd214 to see if they can help me out with my lates during that time and reposession status. I called yesterday and the csr said my paperwork has been approved, interest rate is being reduced to 4% from May 2010 til now. I asked if the lates and RP status should be removed from my cr's and he said they should be. According to the SCRA they aren't supposed to report any adverse notations to the CR while protected by the SCRA. I hope he is right. The thing still up in the air is if I will be one of the people to get $10,000 since my car was reposessed while I was supposed to be protected by the SCRA???
Next, after battling with ASSET ACCEPTANCE for over a year, I wake up this morning to refresh my CR's and notice my balance due is lower than usual. Then I check my account total and its ONE lower! Sure enough ASSET is deleted off of my EX and EQ. It should be deleted from TU as well eventually right?
Anyway, only one collection to go and it should be smooth sailing!
Thanks for all of this boards help and insight!!
