MY CREDIT REPAIR JOURNEY FROM A 499 TO 694 IN A YEAR AND 1/2-**upda​te**HOME PURCHASE FINALLY!

[guiness56]

I meant to say on the other post to file with the CAs state AG and your state AG.  Your state is the one who can bar them from collecting and fine/bring suit.

[chevyman]

Keep it up lesse

[lesse]

thanks sooo much ChevyMAN!!

*****UPDATE******

Jefferson financial will DELETE after a BBB as a "courtesy" whoohooo!!! (i had them for 2 seperate items and they deleted both) I also got a PFD medical collection GONE!! sooo excited and happy!!  And today i got a myfico alert that my score jumped from a 512 to a 556 in just a week!!! i just want a 620 TO START.. thats my short term goal!! I have 2 c/o first premier cards that i settled.. since the c/o was already hurting it didnt matter.. BUT the balance was being factored into my utilization.. so hoping that will bring me up alot.. per myfico score stimulator.. paying off first premier will increase anywhere from 20- 40 points!!! i think i will cry the day i see a 600!! i have never seen that!

[chevyman]

Awesome sent PFD request on 2 medicals on Monday and 2 for bad checks (not my fault) tiday

[lesse]

good luck chevyman!!!! fingers crossed

[chevyman]

The hardest will be the collections with LVNV ASSET ACCEPTANCE and PORTFOLIO RECOVERY

[lesse]

Yes I'm kinda lucky that most of my collection agencies will accept PFd per these forums ...keep trying

[dddewdrop]

   Hi. I would recommend that you have yourself taken off the AU account if she is not planning on paying it off because it is not helping you. i would recommend that you just keep trying to chip away and pay down what you owe and try not to go more in debt. Good luck. Just try and take it one step at a time and you will get through it. If possible, if I were you I would focus on trying to get a second job or a higher paying job if possible to try to get more money coming in so you can rebuild.

[chevyman]

AU account

[lesse]

WOW this was the start and now im in underwriting and although i dont have an approval just the fact that the loan office didnt laugh at me when he pulled my credit is a good thing cant believe how far ive come.. thank you soooooooo much for those that replied to me and that post and are so open and honest ... i cant believe im 30 points from a 700 on one bureau and in the mid 600s for the other two.. so grateful to you all