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OMG! Comenity

Established Contributor

OMG! Comenity

Finally, Comenity gave in and sent me a letter saying they would delete. I almost cried when I read the letter. They also included a $25 gift card for my "inconvenience". Truly unbelievable! Thanks everyone! I couldn't have done it without the forum.  Smiley Very Happy

 

Do I have any leverage to get the CA to delete as well?


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
24 REPLIES
Epic Contributor

Re: OMG! Comenity

Congrats!!!!

 

I would say it depends on the basis for them deleting.  If it was GW, no, I don't think so.

Established Contributor

Re: OMG! Comenity

Thank you! I'm ecstatic.

 

Oh okay. I figured a GW wouldn't do it esp since the CA is PRA. I will continue to fight with them until they give up. They are causing the most damage to my score.


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Senior Contributor

Re: OMG! Comenity

congrats on the deletion.  What do you have left to remove off of your reports?


Highlighted
Established Contributor

Re: OMG! Comenity

Thanks! I still have a ways to go. Trying to get paid collections off, a repo from 07' will be falling off soon, and a CO.

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Mega Contributor

Re: OMG! Comenity

Congrats! 

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Established Contributor

Re: OMG! Comenity

Thanks everyone!

 

How long will it take to delete? Comenity said they asked the CRAs to expedite the deletion. I haven't received a SW alert, yet.


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Senior Contributor

Re: OMG! Comenity

Like Tony would say....That's GREATTTTTTTT!

Established Contributor

Re: OMG! Comenity

Thanks! No SW alert but it's gone...


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Valued Contributor

Re: OMG! Comenity

I need to see your letter....lol. All I am asking for is late payment removal...they refused me twice already.


Starting Score: May 2013 EQ: 577 TU: 537 EX: 555
Current Score: EQ: 634 TU: 617 EX: 639
Goal Score: ALL 720+

In the Garden Until August 2018 Last App June 2016
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