05-02-2017 07:49 PM
They said it would be dishonest to delete it. The first person I talked too said you can not recall but the next person said they could. I am guessing it is possible. I can not afford the full amount RIGHT now so I am hoping on the 15th the person I speak too will be more receptive!
05-05-2017 09:17 AM
DELETED, well one account. I am pushing for both as I got a manager to admit the call monitor harassed me when I called PRA. He continuously screamed WHO OPENED THESE ACCCOUNTS? WHO HAS YOUR INFO? I was just asking for debt validation. While we did not agree on screaming, we did agree that it was inappropriate and harassive. The two accounts do not total 1000 dollars and I have found a lawyer willing to take them on if need be.
I think they will drop it! I have never been so happy. I had only one account listed on my credit report but once I got the other one deleted by the bureaus, the other popped up... very soon after I sent in a compliant about the call monitor.
I believe Convergent will end up on my credit report BUT I believe Verizon will recall so that will delete that and I am pretty sure I can get them to delete their trade line too.
Things are looking up.
My util is high right now but paying down my cards and working hard.
05-11-2017 03:42 PM
So I got PRA deleted for both (well still waiting but they said they would). I am hoping they do not resell.
I have still some medical bills and will be attacking them in about 3 months as I am paying for a tax lawyer to help with my liens.
Right now just sitting back and paying my cards on time and my installment loans (Fingerhut Fresh Start and car loan).
My car is beginning to give out though. It doesn't seem to be immediate but that car is on its last legs. My hope is to get some of the minor stuff done and patches while my credit rises and then hopefully find a decent car loan. I am with Ally right now and almost at a year of on time payments ( had a few 30s 60s and one 90). I am GW but they are now telling me to stop asking.
Scores rose by a few points but I am hoping they will rise ALOT more once the liens are gone. I have high util right now because we had some mini emergencies but will be able to get those down soon.
05-11-2017 05:36 PM
@jlady1884 I plan to beat on every door. They can ask me to stop but are they honestly going to take back my car if I don't? hehe.
HOPING with 18 months (about a year from now ) of good payments, FICO will begin to shine on me.
05-12-2017 10:35 AM
1st Premier and both PRA are now off at least my Transunion. I went up 21 points! 555 I know is still bad but for me is still a win.
05-19-2017 05:44 PM
Sick Irony... my car has been getting worse.
I got a capital one auto preapproval in the mail so I decided to check it out. Literally waiting on a call back from the dealership now. My credit did catch a ding and I do have a TON of inquiries now but I know that this was needed. The little bit of work I have gotten done for my credit did give me a better chance but oh on pins and needles.
The hope and prayer is to be able to bring home a car and refi in a few months even a year, the difference in teh car note would probably be less than cost to repair my poor tired ride.
I promise to garden after this!
05-20-2017 09:30 AM - edited 05-20-2017 09:31 AM
Me too. I'm trying to find the Ally CEO's email address and contact him. I'm not giving up without a fight.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.