09-14-2012 03:14 PM - edited 09-14-2012 03:33 PM
Just a way to keep track of my rebuild.
Start date: 8/30/2012
Collections pulled to date: 3
Collections with balances: 2
Charge-off's with balances: 1 (was 2 today, paid one off and GW'd it)
Applied for an NFCU secured card with a $500 limit and will have it next week.
09-15-2012 10:56 AM
09-15-2012 09:16 PM
Progress is progress. Good Luck!
09-17-2012 11:55 AM
Start date: 8/30/2012
Charge-off's with balances: 0 (finally found who to pay for Cap1 and paid it. Will be GW'ing it)
Though, my balances haven't been updated so no move in score. Just waiting patiently.
09-26-2012 07:37 AM
One of my CO is now reporting a $0 balance. I am still waiting on the balance on the other CO to report $0.
09-27-2012 09:40 AM
My Cap1 CO, while not being reported yet as $0, Cap1 does acknowledge that the account has been paid. Just waiting for my CR to update. Another CO is now reporting a $0 balance.
That leaves 2 CA to deal with and I will be "clean", so to say. I'm still waiting to get 2 paid CA's off my CR. Since I didn't have any response to my GW attempts with these 2, I started the dispute process in hopes that at the end, they just fall off.
It's progress. But any progress is good.
Thanks to everyone who has contributed to this site over the years. The information here is invaluable.
09-27-2012 09:52 AM
Cap1 is slow to update the balances, but they do eventually do it.
Good luck on a GW with them. They're not particularly receptive to GW and practically impervious to PFD, but you may get lucky.
Even if you don't get lucky, they did delete the entire payment history of my tradeline when I paid the CO, and that alone was sufficient to bump up my FICO despite still having the CO reporting.
These responses are not provided or commissioned by FICO. Responses 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.
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.