Boy, somedays I just feel so unmotivated by all the No's, but I see people having success here which keeps me going... GW emails (last week it was letters) went out today for all my Baddies... I pray that SOMETHING comes off... (anyone who wants to join in on a prayer, or just positive vibes or juju would be awesome!!)
GW's sent out for the following:
- CitiBank- CO from 2009 (had the lates removed but not the CO... )
- Chase- 2 30 day lates, 1/2010 and 6/2010
- Apple Federal CU- 2 30 day lates- 08/2009 and 10/2009 1- 60 day late 11/2009
- Credit One Bank- 3-30 day lates (02/2008, 05/2009, 08/2011) 1-60 day late- (09/2011)
- Orchard/HSBC- 2- 30 day lates (04/2011, 09/2011)
- Hooters/Merrick Bank- 3- 30 day lates (3/2010, 07/2009 and 11/2009)
- Target Card- 2 30 day lates (1/2012 (kill me!!!) and 06/2010)
- WFNNB/Ann Taylor Loft- 3 30 day lates (09/2010, 02/2011 and 10/2011)
- Peoples Energy- 15+ lates between 08/2004 and 02/2007. draggin my scre down BIG time!!
- Ford Credit- 1 late 12/2011 (silly payment didn't process)
- Progressive- Collection paid but showing in TU only (was on Equifax)
If anyone has any past successes with these companies please PM me... I am trying to get my scores up to the mid 600's ASAP as we are trying to buy a house (I have a co-signer) and I would like to get a decent intrest rate...
Also, if you are looking for CEO emails for any of the companies above let me know... no kickbacks so far...
::Just keep swimming, just keep swimming, swimming, swimming:::
Thanks!
Bridget
Starting Score: 06/2010- EQ 464
Don't take NO for an answer. Keep sending or calling until you hear a YES.
You go girl, good luck toYOU! !
@bridgetkaryn wrote:Boy, somedays I just feel so unmotivated by all the No's, but I see people having success here which keeps me going... GW emails (last week it was letters) went out today for all my Baddies... I pray that SOMETHING comes off... (anyone who wants to join in on a prayer, or just positive vibes or juju would be awesome!!)
GW's sent out for the following:
- CitiBank- CO from 2009 (had the lates removed but not the CO... )
- Chase- 2 30 day lates, 1/2010 and 6/2010
- Apple Federal CU- 2 30 day lates- 08/2009 and 10/2009 1- 60 day late 11/2009
- Credit One Bank- 3-30 day lates (02/2008, 05/2009, 08/2011) 1-60 day late- (09/2011)
- Orchard/HSBC- 2- 30 day lates (04/2011, 09/2011)
- Hooters/Merrick Bank- 3- 30 day lates (3/2010, 07/2009 and 11/2009)
- Target Card- 2 30 day lates (1/2012 (kill me!!!) and 06/2010)
- WFNNB/Ann Taylor Loft- 3 30 day lates (09/2010, 02/2011 and 10/2011)
- Peoples Energy- 15+ lates between 08/2004 and 02/2007. draggin my scre down BIG time!!
- Ford Credit- 1 late 12/2011 (silly payment didn't process)
- Progressive- Collection paid but showing in TU only (was on Equifax)
If anyone has any past successes with these companies please PM me... I am trying to get my scores up to the mid 600's ASAP as we are trying to buy a house (I have a co-signer) and I would like to get a decent intrest rate...
Also, if you are looking for CEO emails for any of the companies above let me know... no kickbacks so far...
::Just keep swimming, just keep swimming, swimming, swimming:::
Thanks!
Bridget
Good luck Bridget! You can definitely do it, look how far you've already come. I don't have any info on the companies you're looking for, but be sure to let us know of your progress. Prayers and good wishes going out (sorry can't help you with the juju
)
Starting Score: 576 EQ 1-12-13
Thanks!! I really like the idea that you only need 1 yes to get things removed.... I am printing that out!
Today, is phone calls... I WILL get my score high enough for an FHA loan... DAMN IT!!
So fairly successful morning so far... lets just hope some positive stuff hits my Credit reports soon! Updates in Red..
- CitiBank- CO from 2009 (had the lates removed but not the CO... )
- Chase- 2 30 day lates, 1/2010 and 6/2010 Going to call today...
- Apple Federal CU- 2 30 day lates- 08/2009 and 10/2009 1- 60 day late 11/2009
- Credit One Bank- 3-30 day lates (02/2008, 05/2009, 08/2011) 1-60 day late- (09/2011)
- Orchard/HSBC- 2- 30 day lates (04/2011, 09/2011) Got a call back from their executive offices, and unless it's bank error they won't change it... booo
- Hooters/Merrick Bank- 3- 30 day lates (3/2010, 07/2009 and 11/2009)
- Target Card- 2 30 day lates (1/2012 (kill me!!!) and 06/2010) Got the customer service supervisor to remove the 1/12 30 day LATE!! SUCCESS!!! (WELL MOSTLY!!)
- WFNNB/Ann Taylor Loft- 3 30 day lates (09/2010, 02/2011 and 10/2011)
- Peoples Energy- 15+ lates between 08/2004 and 02/2007. draggin my scre down BIG time!! Spoke to the customer service supervisor and hopefully with some documentation I can get these removed. Basically, I have to proove I didn't live there (how do you do that?!?!) so I am prooving I lived and went to school somewhere else...
- Ford Credit- 1 late 12/2011 (silly payment didn't process) I have high hopes for this one... Thought my Auto pay was set up, but I had cancelled it etc etc... She has sent a request to the credit dept to make the change... FINGERS CROSSED!!!
- Progressive- Collection paid but showing in TU only (was on Equifax)
Getting there!! swimming swimming swimming!!
No Utility Bills, (I rented a room in an existing house) but I have the following:
- Signed Lease
- Signed Letter from Landlord (we're friends now so yeah!)
- Signed letter from another roommate
- Transcripts from my school.
HOPEFULLY that will be enough!! Fingers crossed!! I have been trying to get this off for years and they have ALWAYS giving me a too cussing bad attitude... annoying...