10-22-2009 07:37 AM
11-20-2009 09:17 AM
Wow, you're really on the ball on improving your credit. If only everyone were as diligent as you.
I had a high credit score just 5 years ago, over 750. But a bad marriage (which led to divorce), and bad financial decisions before and up to that brought my score down to 529 in the summer of 2008. Filed for BK in Nov 09, which brought my scores up somewhat.
So I'll have that on my record for 10 years and also medical collections from 2007 (which were paid, they refused to do a PFD--called it 'credit bartering'). But since discharge my credit has been perfect. 2000 credit limit with 19% utilization, and always pay my bills before their due.
12-12-2009 10:59 PM
03-23-2010 08:16 PM
TU FICO Quarterly Monitoring just updated, went from a 650 to a 669! Woohoo!
I also updated my first post with all new info. Check it out!
03-24-2010 06:07 AM
GOOD JOB PAYING THE BILLS!!! You have worked so hard and diligently on your CR--it's very encouraging and impressive!
I have a couple of questions...
1) I am in the same boat on 5 of my SL's (ignoring them more than I should) and resulted in showing 120+ lates on each one on my credit report. I am currently in deferment and have been paying more than the mthly payment while in deferment and am showing current on on my CR at this time. My question is , did your SL's default and then you checked into SL rehab? I called Nelnet and asked them about SL rehab and they said they only do it on defaulted loans and since mine had not defaulted then I could not do SL rehab. Not sure of the terms, but I think it defaults a year without payments and I was 8-9 months behind. Does this sound right to you? So you have a Nelnet contact name and number with whom you spoke with?
2) I have 2 medical bills in collections but have been PAID in 2007. If I read correctly, did you send HIPAA letters to your paid med collections as well? I read on another thread that if you paid the CA then HIPAA won't work but if you paid the OC, then it would. I paid the CA, did you pay the CA or OC?
Thanks for any help you can provide!!! =)
03-24-2010 06:25 AM - edited 03-24-2010 06:29 AM
1) Dont know enough about SL's, sorry.....maybe others will chime in for you.
2)I've read that also, that in order of the HIPAA process to work, the OC would've had to been
paid instead of the CA. So i believe your last option you have is sending a GW letter to the CA.
Edit to add......Wow! want a journal PayingTheBills....You have done a great job paying those down.
03-24-2010 09:11 PM
#1 I contacted NelNet, who directed me to GC Services, who set up the rehab program. Then my loans were picked up by Sallie Mae after rehab.
#2 I paid the OC.
Myfico.com got rid of all the good info on how to get these removed. I've found that persistence is the key, and a little bit of dumb luck. But I remember hearing what you're saying, that if you pay the CA, it won't work. Then you just have to GW the crap out of the CA.
07-22-2010 05:32 AM - edited 07-22-2010 07:31 AM
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.