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Established Contributor
westo12
Posts: 564
Registered: ‎07-20-2008

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.. 

2014 Starting-618, current TU646/EX662/EQ629 (WalTU 4/4,MYFico 3/1, CLI decline ltr) / Ending Goal score: 720 - 25 pos TLs / Baddies: 1 unpd $312 med CA, 5/30 day auto lates in 2yrs /Install Debt: Santander $11k | Springleaf $4k | Revolving Bals/Limit 8535/21974=39%util: Chase 4k | BofA 3k | Kay 3k | Macys 1900 | Barclay 1.5k | Walmart 1.5k | Amazon Store 1.2k | Citi/Goodyear 900 | BML 862 | Emblem 832 | CareCredit 800 | DiscoverIT 800 | Target 700 | CapOne 600 | Chase/AU 500 | VictSec 500 | CapOne 450 | Express 250 | Buckle 250 **Officially in the garden until I get some auto CLI's on my major accts**
Moderator
Shogun
Posts: 11,100
Registered: ‎04-15-2011

Re: New Rebuild Journal Xwill04

You're on a roll!!!!   Keep it going!


Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Going for Wade64's RUDY Spade!
Established Contributor
sphinx313
Posts: 562
Registered: ‎02-12-2011

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


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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

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
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Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

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
Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

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
Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

Re: New Rebuild Journal Xwill04

[ Edited ]

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 :smileyhappy:

 

 

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
Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012

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
New Contributor
jetsfan2013
Posts: 114
Registered: ‎11-28-2012

Re: New Rebuild Journal Xwill04

Congrats you are on a roll!

EQ FICO 652 TU 655 EX 657
No new inq after July 2014 (mortgage countdown)
Frequent Contributor
rightcoast
Posts: 278
Registered: ‎12-10-2012

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

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