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Established Member
Posts: 18
Registered: ‎02-08-2012
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Plains Commerce Total Card and update

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 :smileyhappy:

Starting Score - 482 EQ (2/4/2012)
Current Score - 542 EQ (SW 3/22/2012), TU 505 (2/25/2012)
First goal - to get into the 600s
Established Contributor
Posts: 977
Registered: ‎02-08-2012
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Re: Plains Commerce Total Card and update


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 :smileyhappy:


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!

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


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