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My Credit Repair Journal

Established Contributor

Re: My Credit Repair Journal

Nothing is better than a current account to GW on I don't think. It's harder to GW an account you half paid in settlement then it is a current positive account. Like most say about GW, I would keep any sob type story out of it, get straight to the facts and keep it short. Your mileage will vary regardless, but it's the general consensus.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


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Valued Contributor

Re: My Credit Repair Journal


J_S wrote:

The accounts are current as of today. They've been open for 6 months to a year. My payment history was good until I had the hiccup.

 

I think I'll work on GW letters today. When asked why I missed the payments I told them it was due to medical issues. What's the likelyhood of GW working with medical as the reason given for being late? In any case it's worth a shot... But do they work with open accounts? 


I don't see why they wouldn't, but I couldn't tell you for sure.

 



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Member

Re: My Credit Repair Journal

A total of 6 GW letters representing a total of 10 accounts are ready to be sent out, first thing Monday morning. I'm not touching the Collection accounts this time around. I need to figure out what I'm doing with the $1920 first. Try to settle or save my money a few months and PFD? I'm leaning trying the latter. 

Highlighted
Member

Re: My Credit Repair Journal

testing to see if I can paste a part of my credit report like I see some people do... lol <---noob

Txu Energy XXXXXXXX09853/2011$110Charged off as bad debt Details
Texas Guaranteed Student XXXXX64055/2010$0Payment after charge off/collectionNoDetails
Texas Guaranteed Student XXXXX64065/2010$0Payment after charge off/collectionNoDetails
Texas Guaranteed Student XXXXX64045/2010$0Payment after charge off/collectionNoDetails
Bank Of America 7/2011$754120 days past due Details
Costep Servicing Agent 5/2000$0120 days past due Details
Costep Servicing Agent 8/1999$0120 days past due Details
Costep Servicing Agent 10/2000$0120 days past due Details
The Home Depot/Cbna 2/2012$341Paid or paying as agreed Details
Capital One Bank Usa Na 10/2011$0Paid or paying as agreed Details
Western Shamrock Corp XXXXXXXXXZ0012/2012$0Paid or paying as agreedNoDetails
Credit First 5/2002$0Paid or paying as agreedNoDetails

Wells Fargo Auto Finance

XXXXXXXXXXXXX90016/2001$0Paid or paying as agreed

No

 

Ah... those are my accounts my collections:

 

            Prof Debt           
$1,920
$1,920
Apr 16, 2012
            09 Desert Sands Apartments           
            XXXXXXXX           
                        Individual                     
Placed for collection

 

 

            Cba           
$81
$81
Feb 27, 2012
            11 Charter Communications           
            XXXXXXXX           
                        Individual                     
Placed for collection

 

            Bekmn Assoc           
$560
$774
Jan 19, 2006
            Med1 02 Montgomery Psychiatry Assoc           
            XXXXXXXX           
                        Individual                     
Placed for collection

 

 *cry* I don't know what I'm doing... Smiley Sad

 

New Member

Re: My Credit Repair Journal

Hello. What is or are PFDs?

Member

Re: My Credit Repair Journal

PFD = pay for delete. It's where you require the creditor to delete the negative information in exchange of paying what you owe.