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I do not know what our scores are but they are much better!! The green stuff is all the new stuff and changes!!! This forum has helped me soooo much and I cannot thank you all enough!
My debts:
I originally had 5 collections, 2 chargeoff's and 1 auto loan with lates
Therefore I have 5 negatives left on my credit report: (2 CA's, 2 CO's, 1 auto loan with lates)
Creditor Name: AFNI
Original Creditor Name: AMP D MOBILE
Amount: 1044 set to fall off 6/2014
Creditor Name: MIDLAND FUND
Original Creditor Name: CAPITAL ONE BANK USA N A
Amount: 1515 set to fall off 5/2015
2 charge offs Credit card accounts from HSBC(2004)set to fall off 7/2014 and CAP1(2003) set to fall off 5/2015 various 30,60,90,120 lates in 2007-before that good history
I had a car loan 6/2005-6/2010 with (9) 30 days late (3)2010 (5)2009 (1)2008 all positive before
Positive Accounts:
I have one current auto installment loan current/never late as of 6/2011- refied to a lower rate still current
Jcpenny(2001) 0/1000 Never Late
CreditOneBank (2009) 0/750 Never Late
Best Buy MC (2011) 0/500 Never Late
Macys (2006) 2200/2700 Never Late----0% for 12 months on furniture...will be paid off Jan 2013
Newly added
Capital1 (2012) 0/1000 Never Late
Lane Bryant (2012) 0/500 Never Late
Walmart (2012) 0/1000
Total utlization ~30% not great but will be below 9% in January
SO here is the plan for me:
-Pay for delete Midland and AFNI---Still working on this
-Pay down CC to 9%- raise all credit limits with soft pulls
-Goodwill chargeoffs and auto loans---taking a break from this for a while since it's not working!!!
Now for my hubbies:
He originally had 8 negative/collection acts:
and as of 12/15/12 He will only have a HSBC chargoff!!! I got the rest off with some PFD and DV's!!!
I've added him to 3 of my oldest cards
Walmart (2012) 0/400 Never Late
SO here is the plan for hubby:
Get utilzation under 9% which will make his score go up!
Making steady progress! I absolutely love that we applied for credit and were approved. I plan to garden the new accounts, keeping utlization low. Continue to build savings...$12,000 saved in 1 year, plus 3000 or so in debt that we paid off. Plan is to save at least that much this year and possibly more since we do not/will not have debt to pay off.
Goal is 67k saved by June 2015. 60k for downpayment and 7k for closing or whatever else may occur.
My debts:
I originally had 5 collections, 2 chargeoff's and 1 auto loan with lates
Therefore I have 5 negatives left on my credit report: (2 CA's, 2 CO's, 1 auto loan with lates)
Creditor Name: AFNI
Original Creditor Name: AMP D MOBILE
Amount: 1044 set to fall off 6/2014
Creditor Name: MIDLAND FUND
Original Creditor Name: CAPITAL ONE BANK USA N A
Amount: 1515 set to fall off 5/2015
2 charge offs Credit card accounts from HSBC(2004)set to fall off 7/2014 and CAP1(2003) set to fall off 5/2015 various 30,60,90,120 lates in 2007-before that good history
I had a car loan 6/2005-6/2010 with (9) 30 days late (3)2010 (5)2009 (1)2008 all positive before
Positive Accounts:
I have one current auto installment loan current/never late as of 6/2011- refied to a lower rate still current
Jcpenny(2001) 0/1000 Never Late
CreditOneBank (2009) 0/900 Never Late increase of 150 about to cancel this card once my Citi AU ages a year
Best Buy MC (2011) 0/500 Never Late
Macys (2006) 0/2700 Never Late
Capital1 (2012) 0/1000 Never Late
Lane Bryant (2012) 0/500 Never Late
Walmart (2012) 1000/3000
Citi (AU-Hubby) 0/4200-not reporting yet but will be soon!
Total utlization ~10% (without Citi) will be 7-9% by Feb...where it will stay!!!!!!!
SO here is the plan for me:
-Pay for delete Midland and AFNI---Still working on this May Possibly pay and then just goodwill we shall see.
-Pay down CC to 9%- raise all credit limits with soft pulls ROCKIN" THIS!!!!!!!!
-Goodwill chargeoffs and auto loans---taking a break from this for a while since it's not working!!!
Now for my hubbies:
He originally had 8 negative/collection acts and 2 Chargeoffs:
and as of 12/15/12 He will only have a HSBC chargoff!!! I got the rest off with some PFD and DV's!!!
I've added him to 3 of my oldest cards
Walmart (2012) 0/400 Never Late
Ge Amazon (2013)1700
Ge SleepTrain(2013) 3000
Citi (2013)4200
SO here is the plan for hubby:
Garden his accounts and make sure utilzation is under 9% which will make his score go up!
Congrats on your success! You mentioned in your first post that you were able to PFD Comcast - Did you contact Comcast directly or did you go through CA? Thanks!
@Joteism wrote:Congrats on your success! You mentioned in your first post that you were able to PFD Comcast - Did you contact Comcast directly or did you go through CA? Thanks!
I contacted the collection agency and offered a PFD. At first they didn't want to take it but after the 3rd PFD letter they agreed. The two companies were Stellar Recovery (Me) and Enhanced Recovery (hubby). Both deleted after PFD.
Wow - Persistence really pays off! Thanks for the info and good luck in your future endevours!