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New Member
fvieira84
Posts: 2
Registered: ‎02-17-2013
0

Paid collection and credit cards one year ago

Back in 2008, I stopped paying my credit cards due to job loss. It wasn't by choice I stopped paying, I just couldn't keep up with the payment. In 2012, I got an income tax refund and settled my accounts, except for 5 accounts and one of those accounts I'm paying slowly. My credit scores are Transunion 541, equifac, 575 and experian 507. I sent out a GW letter to all the collection agencies and credit card companies. Four of them replied with a denial letter. I was thinking about hiring lexington law but i would rather save the money and do it myself. Any suggestions? 

 

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Valued Contributor
starry1
Posts: 2,325
Registered: ‎11-29-2012
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Re: Paid collection and credit cards one year ago

Goodwill them all again and again. Search this forum for good contacts to target.

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 12/22/14 TU 659; EQ 649; EX 657
Goal Score:  625 for now– New goal 675

Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $10k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $500 / Target $400 / PPSC $800 / Texaco $400 (last app 09/29/14)
Valued Contributor
rckstrscott
Posts: 2,660
Registered: ‎04-25-2011
0

Re: Paid collection and credit cards one year ago


starry1 wrote:
Goodwill them all again and again. Search this forum for good contacts to target.

^^^^^^ this

 

persistance is the key to credit repair. I wouldn't advise using a company like Lexington Law -- I don't have anything negative to say about them, but anything they can do, you can do.. and you can do MORE than they can because they are not allowed to direct dispute things..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
New Member
fvieira84
Posts: 2
Registered: ‎02-17-2013
0

Re: Paid collection and credit cards one year ago

Really? I didn't know I can keep mailing them letters. I will search and send them out again.

Thank you


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