@moar_credit wrote:Hi there all! First all I would like to say what a great and helpful this forum has been to rebuilding my credit score from a 540 to a 660ish ! Now I would first like to say when I was 18 I got my first credit card and long story short I mess up real bad. I had 2 capital one credit cards and let them go to collection and got a judgement on me for both. I am now 25 years old and have been trying really hard to rebuild my credit score. I paid off both card as agree and updated my credit report as settled. Now I got 3 credit cards totaling 3,300 with Capital One ( go figure ) and Barclays. I am soon looking to buying a car ( join DCU hoping I can get the 1.25% loan ) or maybe a townhouse and feel like the 2 baddies are stopping me from gettin a great APR % on a loan. I have paid off all credit cards and now reporting only 1 card with a 1-9% balance as of this month. I'm trying to figure out if it be worth to try to get the 2 baddies I have off my credit report or should I just wait it out? Also would I ask Capital One or the collection agency for the deletion? I actually look them up the collection agency and seem that they are now closed down. Here is some info of the 2 baddies. When will these also fall off my credit report if I were to wait? Thank you for all the help ! Love you guys!
Date Open = 12/06
Date Reported = 04/11Date Of Last Payment = 11/10
First delinquency = 07/08
Major delinquency = 06/09
Months reviewed : 51
It's old and getting older. Only has a year and a couple months worth of life left. Try a GW for this one
Date Open = 03/08
Date Reported = 03/11Date Of Last Payment = 11/10
First delinquency = 03/09
Major delinquency = 10/2009]Months reviewed = 35
This one has not quite 2 years left on it, then it will be excluded. I'd start the GW process.
It doesn't say who is reporting. Is this the OC or the CA? And which one is no longer in business?
Both were paid off to the collection agency on 11/10 and now show as a status CHARGED-OFF.
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.
IMHO, I'd email Cap1's EO. You can find their email address by googling it. I'm in a similar boat and am waiting to receive EO's decision this week.
...Just my 2 cents.
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