10-07-2012 05:27 PM
10-25-2012 07:56 AM
More updates in blue
ACS education, in rehab with another company, loan won't return to ACS afterwards - denied several GW removals. Rehab CA is reporting but will delete tradelines after 9 th payment received. Then the new loan company will report.
After several GW denials I got an ACS rep to agree to remove the "claim filed with government" notation. I figure it is a small victory and I will keep pushing for the lates to be removed or the TL to be deleted all together since they no longer hold the loan.
Still waiting for the "claim filed with government" notation to be removed.
2 HSBC charge offs $1200 total, last payment in 2011, they are both reporting balances even though they have said both accounts were sold. Only only CA is reporting, I'm waiting on a reply from a PFD I sent. The other CA isn't reporting so I'm making monthly payments to them.
One HSBC account has now been changed to Cap one on my report, that is the one I am making payments on. I actually didn't send a PFD to the other one, I sent a DV to the CA who half verified the info (right acct number but wrong name) so I resent a copy of their wrong validation and asked for a DV again. I am sure they will verify and once they do I will PFD the CA.
Haven't heard anything back from the second DV I sent but I received a letter from another CA claiming they own this account as well.
Ikea charge off $273, no CA reporting and no reply from ikea with PFD letter, set to fall off August 2014
Still no reply and one letter recently got returned to me. I decided to dispute this with all of the CRAs.
Awaiting dispute results
walmart charge off, no balance reporting acct sold to CA, waiting for reply on PFD from CA, set to fall off July 2014
I have sent Walmart a GW since they sold the acct and is reporting a zero balance. No reply from CA on the PFD
The CA that was listed mysteriously was deleted from my reports after I sent them a PFD. I send 2 GWs to Walmart each week, no response as yet.
waiting on capital one secured card to start reporting limit is $200 will increase limit before the end of the year
Received the card still waiting for Cap One to report it.
Cap One still isn't reporting on my reports. Cap One why are you taking so long??????
jefferson capital CA set to fall off Dec 2012
I got this removed early..YAY
An authorized user CC account is showing on my reports. It bumped my EX FAKO up 10 points.. YAY
15 US Dept loan tradelines in good standing reporting as current without any lates.
EQ Fico is 560 (Sept 2012) Hopefully this score bumps up close to 600 in November.
TU FICO is 597 (Oct 2012) but I have some items that I know will come off when I get my dispute results, plus I will have 2 new CC reporting. Looking forward to the 600 club when I refresh my score in the middle of November
10-25-2012 07:59 AM
Congrats, progress is progress.
10-25-2012 12:33 PM
can you pm me the number you used for AES I tried forever to pay them back but it was sold and sold and sold so im paying it back though the current company that owns the note but it stil has claim filled with government notation.
11-07-2012 10:18 AM
So I absolutely have NO patience..lol. Today I got an alert from TU saying my dispute results were ready, two baddies were removed. Even though I just refreshed my TU FICO two days ago I couldn't stop myself from doing it again today. I also decided to run my EQ FICO.
TU FICO 472 (Oct 2011)
TU FICO 597 (Oct 2012)
TU FICO 607 (November 5, 2012)
TU FICO 631 TODAY!!!!
EQ FICO 526 (Oct 2011)
EQ FICO 560 (Sept 2012)
EQ FICO 623 TODAY!!!!
11-08-2012 10:33 AM
Cap1 takes forever to report, sometimes 2 or more billing cycles.
12-04-2012 01:41 PM
So my rebuilding as slowed down a bit. I am still working on one baddie ( Brightwater Capital), I have given up on HSBC and Walmart, for now anyway. I am just so excited that I passed the 600 mark and I even got an auto loan!!! Hoping for a mortgage by 2015.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO