I got a response from Total Card (Plains Commerce Bank) today in regards to my PFD request. They sent me a copy of one of my statements, a copy of a check I had sent for payment back in 2008 , a current status and a letter stating that the amount is valid and owed. It's a small amount ($239) and I said I would pay in full in my letter. I'm going to go ahead and pay it...I suppose I will just work the GWs after that? I noticed this amount is figuring into my utilization, and although not much my active CCs paid down showed a slight bump in my EQ SW score.
I sent off GWs to my Sallie Mae and ACS Education lates...fingers crossed!!
Cap 1 responded to my GW request to remove a 30 day late with a "no" lol. I take responsibility for it..I will just keep trying!
Still waiting to here back from collections accounts..I hope I do!
I am sooo inspired by success stories...and I know this didn't happen overnight but I sure I hope I have as quick a turnaround as some! I will be GWing and GWing 
915westtexas wrote:I got a response from Total Card (Plains Commerce Bank) today in regards to my PFD request. They sent me a copy of one of my statements, a copy of a check I had sent for payment back in 2008 , a current status and a letter stating that the amount is valid and owed. It's a small amount ($239) and I said I would pay in full in my letter. I'm going to go ahead and pay it...I suppose I will just work the GWs after that? I noticed this amount is figuring into my utilization, and although not much my active CCs paid down showed a slight bump in my EQ SW score.
I sent off GWs to my Sallie Mae and ACS Education lates...fingers crossed!!
Cap 1 responded to my GW request to remove a 30 day late with a "no" lol. I take responsibility for it..I will just keep trying!
Still waiting to here back from collections accounts..I hope I do!
I am sooo inspired by success stories...and I know this didn't happen overnight but I sure I hope I have as quick a turnaround as some! I will be GWing and GWing
Definitely keep at it. It seems so far into the future, but as it happens, it is sooner than you'd think. I applied for a ton of car loans (yeah, big mistake) on 1/12 with average FICOs of 570-599. Now, my FICOS (who knows what EX is) are all the way up to 632 and 676! A little knowledge (learned here) and persistance and hard work will pay off soon. Good luck!
Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
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