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New Rebuild Journal Xwill04

Established Contributor

Re: New Rebuild Journal Xwill04

Hey did you ever hear back from Rash Curtis?  I have a small account with them, thinking about calling to offer PFD.. 

Chap7 discharge 7/29/15
Fico 11/20: TR:595(high util)
Cap1(Plat+QS) 3500+2500/Merrick 1000/Express 1100.
Message 31 of 45
Moderator Emeritus

Re: New Rebuild Journal Xwill04

You're on a roll!!!!   Keep it going!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 32 of 45
Established Contributor

Re: New Rebuild Journal Xwill04

Looks like your posts have been getting lost in the fray lol. Just caught up on your progress since last week, good job man keep it going.



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


Take the FICO Fitness Challenge
Message 33 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

thanks bro


sphinx313 wrote:

Looks like your posts have been getting lost in the fray lol. Just caught up on your progress since last week, good job man keep it going.


 



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 34 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04


westo12 wrote:

Hey did you ever hear back from Rash Curtis?  I have a small account with them, thinking about calling to offer PFD.. 


no same here... called them because didnt hear back from them via DV

 

 told rep i was filing FTC report with a couple items on my report and she passed me over to a supervisor that sayid they were still waiting on response from OC (bad boy bail bonds) told her I didnt owe them any money. and she said to go ahead and send them a police report... would rather not file one..

 

but well see.. think ima either BBB them or contact cra asking how they were able to verify debt if CA cant even verify it with OC



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 35 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

thanks shogun!


Shogun wrote:

You're on a roll!!!!   Keep it going!


 



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 36 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

Hi guys, its been a crazy past month! Been checking my report every single day! lol Here are the results so far...

 

Couple things to note: 


*OpenSky CC takes forever to update my payment history.. Equifax shows $0 other two still show like a 2 month old balance..


* First Premier hasnt come off Equifax yet


*Applied Bank hasnt reported to Equifax yet


* Santander hasnt posted to any CRA yet... Made my first payment 3 weeks early

 

* Sent a BBB complaint regarding Rash Curtis & Associates yesterday as I sent a DV and called them approx 35 days later and they said they were still working on retrieving information from OC.... Yeah pretty much you have no info on this account. Lol

 

*Not sure if I should pay off Macys n take a score drop or let it age off...

 

Looking good heading into the New Year Smiley Happy

 

 

Collection accounts:

 

ENHANCED RECOVERY - TransUnion (DV Letter sent  11/14/2012)

Balance- $1,454

Date Opened- 4/12

 

EOS CCA - Experian, Equifax, TransUnion (DV Email sent 11/15/2012 to direct contact received via this forum)

Balances- $678, $1,518, $378

Date Opened- 8/1/2012

 

PACIFIC CREDIT EXCHANGE - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balance- $9,016 (Repo Purchase)

Date Opened- 2/1/2012

 

MIDLAND FUNDING - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balances- $461, $2,002

Date Opened- 12/1/2012, 11/1/2011

 

PINNACLE CREDIT SERVICES- Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

Balance- $1,405

Date Opened- 12/1/2009

 

ALLGATE FINANCIAL LLC - Experian (DV Letter sent  11/14/2012)

Balance- $475

Date Opened- 5/1/2009

 

RASH CURTIS & ASSOCIATES - Experian, TransUnion (DV Letter sent  11/14/2012)

Balance- $318

Date Opened- 6/1/2008

 

Charge Offs:

 

FIRST PREMIER BANK (623 Letter sent  11/14/2012)

Balances- $469, $518

Date Opened- 8/1/2009, 1/1/2009

 

A - L FINANCIAL CORP (Auto Loan) - Experian (623 Letter sent  11/14/2012)

Balances- $9,016

Date Opened- 2/1/2009

 

DSNB MACYS (623 Letter sent  11/14/2012)

Balance- $319

Date Opened-1/1/2007

 

CAP ONE

Balance- $0

Date Opened-10/1/2006

 

Current Accounts:

 

CAPITAL BANK (Open Sky Secured CC)

Balance- $0/300 

Date Opened-8/1/2012

 

First Tech Federal Credit Union Secured Credit Card

Balance- $346/$2000 

Date Opened- 11/1/2012

 

Applied Bank Secured Credit Card

Balance- $7/$200 

Date Opened- 11/1/2012

 

Santander Auto Loan

Balance- $15900

Date Opened- Not Reporting yet (12/2012)

 

 

Credit Scores (FAKO)

Experian- Ridiculous number on USAA dont even want to post I know im not close to that score lol

Equifax- 579 (Fico), 2 First Premier charge offs havent came off report yet, New applied CC, Auto loan not yet reporting

TransUnion- WIll pull FICO once auto loan reports



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 37 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

*Update*

 

Pulled my FICO now that TU and EQ show $0 balance on capital bank

Credit Scores

Experian- Ridiculous number on USAA dont even want to post I know im not close to that score lol

Equifax- 579 (Fico), 2 First Premier charge offs havent come off report yet, New applied CC hasnt reported yet

TransUnion- 639

 

Auto loan not yet reporting on any of the 3



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
Take the FICO Fitness Challenge
Message 38 of 45
Regular Contributor

Re: New Rebuild Journal Xwill04

Congrats you are on a roll!

699 TU FICO 11/2017
In Garden till Summer 2018
Message 39 of 45
Frequent Contributor

Re: New Rebuild Journal Xwill04

Did you pay allgate financial and then they deleted or did the DV cause them to delete

Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 40 of 45