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Now to fix wife's report

Moderator Emeritus

Re: Now to fix wife's plz help

Couldn't hurt.  Wow, congrats on the new cards!

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 31 of 41
Regular Contributor

Re: Now to fix wife's plz help

thanks. 


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 32 of 41
Regular Contributor

Re: Now to fix wife's reports

So pumped JUDGMENT COMPLETELY REMOVED FROM EX AND EQ and TU..... not that it matters but CK score jumped again today 54 more points.  happy dance.....


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 33 of 41
New Contributor

Re: Now to fix wife's reports

Great news!  Congrats!!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Message 34 of 41
Regular Contributor

Re: Now to fix wife's reports

thanks yea almost done  my reports took 2 years and counting got hers almost done in a little over 3 months thanks to this AWSOME forum


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 35 of 41
New Contributor

Re: Now to fix wife's reports

I've learned a lot too!  I can't wait to put it to use.  I will NOT make the same financial mistakes I made in my 20's.

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Message 36 of 41
Regular Contributor

Re: Now to fix wife's reports

same here.  its deffinatly easier to make the mestakes than it is to clean them up.   LIFE LESSON


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 37 of 41
Moderator Emeritus

Re: Now to fix wife's reports

Congrats!   Looking good!

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 38 of 41
Regular Contributor

Re: Now to fix wife's reports

thanks shogun


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 39 of 41
Regular Contributor

Re: Now to fix wife's reports

Well now IM kinda stuck.  I have tried PFD for both OUC and Apollo there the only ones left.  And I have been shot down for both accounts multiple times each.  Apollo offered to settle for 1400 on a 1924 bill and let her back in school after i offered to pay in full for deletion.  It will report as settled on reports.  ouc no settle amount only pay in full.  But also will only update as paid no delete.

 

I plan on paying both in February weather they pfd or not.  What should I do now.  I plan to keep sending PFD letters until they either accept or until Feb.

here are my questions 

 

1) should I pay in full on these accounts  or just settle  from a credit report stand point? I want to get her back in school ASAP.  

2) is settled vs paid in full worth the extra 500 they want to not put setteled on all her credit reports

 

thanks mike

 


Starting Score: TU 583, EX 683, EQ 653
Current Score: 10/12/14 TU 743 9/24/2014 EQ FICO 751,12/17/2014 EXPERIAN 772
Goal Score: 750

WALLET: CAP ONE UNSEC $2000, WALMART $3800, CITI SIMPLICITY $3600, DISCOVER IT $2000, BBRZ $2200, AMEX BCE $24,500, CHASE FREEDOM 10,500 KAWASAKI GOOD TIMES CARD $31,500
Message 40 of 41