Reply
Established Contributor
Posts: 570
Registered: ‎02-12-2011
0

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: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,569
Registered: ‎11-10-2012
0

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
Posts: 36
Registered: ‎11-26-2012
0

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. 

Member
Posts: 36
Registered: ‎11-26-2012
0

Re: My Credit Repair Journal

[ Edited ]

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... :smileysad:

 

New Member
Posts: 1
Registered: ‎01-23-2013
0

Re: My Credit Repair Journal

Hello. What is or are PFDs?

Member
Posts: 36
Registered: ‎11-26-2012
0

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.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.