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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

I sure hope so.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Confirmed that A-1 Collection Service (member of the TRAF Group) kept their word and removed the CA as of today. This was an account that I did PFD in full for.

 

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
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Regular Contributor
Posts: 164
Registered: ‎06-06-2011
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Re: Madmann26's rebuild thread

Madmann - I see that you had to deal with Hunter Warfield. I moved out of an apartment last year and had a remaining balance. I couldn't pay it all at once, which the apartment complex required, so they told me to let it go to the collection agent. They said that the CA would allow me to make payments and wouldn't report to my CR. Hunter Warfield verified what my apartment complex said. I paid off the balance in 2-3 months and that was that. Now, they are showing as a paid collection account on my CR. I mailed a GW letter earlier this week. Think that will help? How were they to work with?

Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Electra:

It was finally removed sometime in the last 48 hours. What was it worth?

44 FICO points.

I am now collection account free. Damn it feels good.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread

Just for someone else's knowledge, that is 107 points gained since August 2012 when I started my journey.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Moderator
Posts: 13,897
Registered: ‎04-15-2011
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Re: Madmann26's rebuild thread

Awesome work madman!!!!!!   You rock!

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+
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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!
Established Contributor
Posts: 573
Registered: ‎10-21-2012
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Re: Madmann26's rebuild thread

Wow, that IS a big jump! Congrats!!   And having a clean slate must feel awesome!



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
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Re: Madmann26's rebuild thread


electra wrote:

Wow, that IS a big jump! Congrats!!   And having a clean slate must feel awesome!


Electra,

 

It does feel rather good. It's interesting, that 44 point jump was because the last CA was removed and I was reporting 72% util (it's now 6%). Next month should be a very good month score wise.

 

Thanks for everyone who has helped in the past.

 


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Valued Contributor
Posts: 1,546
Registered: ‎08-30-2012
0

Re: Madmann26's rebuild thread

I have to add in this,

 

I'm also working on my wife's credit report. We shared this last CA that was removed recently. I got an alert that her score had changed and when I logged in to check, I was astounded at what I found.

 

Her previous score was 631. When I looked after the alert came out, it's now 667! That is a 36 point bump!

 

We look to be in the 700 club very, very soon.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 712|EQ 695|EXP 723 (FICO)
Total credit $185,250; Util 14%
Goal Score: 700 across the board.
Take the FICO Fitness Challenge
My Journey
Established Contributor
Posts: 534
Registered: ‎01-23-2013
0

Re: Madmann26's rebuild thread

AWESOME, brother! ^5

 

If you dont mind me asking, what EQ FICO range were you when you apped the NFCU unsecured (3k CL)? they keep shooting me down, prob mostly because im on a payment plan with them for the next 8 months to pay off a c/o checking acct (but it keeps it in-house).

 

i also moved my direct deposits from them and use my old bank...do you actually bank with them, and if so do you think that factors into their app decision?

 

thanks!

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