Quick Thank You With Everyones Help!

[llecs]

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Donks3369 wrote:

llecs,

Very true.  I had 3 medical collections.  As each one was removed, I say a small bump, maybe 10 points or so.  But when the last one was removed and I was collection free, it was quite a nice pop.  So I think it's all dependent on how many collections are listed.  The last one should be key.

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Law of diminishing returns.

[llecs]

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tullz85 wrote:

Oh, I see what you mean, thanks!

I believe I have 2 medical ones to clear up (Doctors office's fault on one, then a screw up at the pharmacy on another)

Then 1 is being taken care of at the end of this month. I'm going to try to get a PFD if possible

One is my student loan, but that should have been deferred rather than reporting late/missed payments, so that should clear up soon!

Then lastly, I have one more after that

So, 1 is taken care of out of 6 technically..

Message Edited by tullz85 on 03-25-2009 03:56 PM

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It may be worth considering using the HIPAA process. I'm HIPAA clueless. If you want more info on removing medical CAs, consider posting over in the new Medical board.

[Anonymous]

I'll give it a try, just trying to clear one up at a time

I just sent in a GW letter to my student loan company explaining their error and what was happening, so hopefully they clean those up for me.

I also am sending one to my credit card company too, so hopefully those will also be fixed.

Then I'm going to try to get a PFD from my bill that's being payed at the end of the month, that should all help!

Does it help when companies stop reporting late payments? I know that stuff contributes a big chunk of your score..

[llecs]

If the lates disappear, then your score could bump. If they stop from this point forward, then the score damage will have a chance to diminish over time.

[Anonymous]

Ah, so getting my CA account deleted in essence should give me a small boost hopefully!

I'm also working on bringing my util down from a 90% down to a 40% by the end of April. I've been reading that should help quite a lot

[llecs]

Bring your util down by that amount should help you quite a bit.

[Anonymous]

I read different numbers...is 30% the goal or 40%? I'd rather get this right the first time

[llecs]

Neither. Ideally get all cards below 9% with 1/2 of your CCs reporting $0.

[Anonymous]

Everyone here is full of such wisdom!!!

 I'd still want a bank CC then, and a department store CC that doesn't show Mastercard/Visa, etc on it yet then too?

I'll have to shoot for that lower goal then, I read 30-40% was good!