You're on a roll!!!! Keep it going!
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Starting Score: 532/564 10/21/12
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
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 
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
*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
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
