(I do appreciate comments and suggestions, once I get my capitalone quicksilver in the mail I am sending off letters to both collections trying for a partial pay 40% of each and removal off my report, if they wont go for that, 100% pay for 1 now, 1 next month and removal from my report.)
My goal is 700+ scores by mid 2015. We would love to be able to get a house in 2016. Most everything has fallen off my account except just a few things. I am organizing them all here and updating it as I get them cleared via GW letters or they are removed due to age or other reasons. I have a satisfied judgement to try and have removed and 2 collections that I need to pay and try to have removed. Kind of funny the longest lasting judgement I have is the only satisfied one =/ LVNV funding is half paid and the garnishments oddly stopped, I need to check into this as soon as I get the collections paid off.
Judgements
OregonOne satisfied judgement
Date Filed: 07/2011 - Date to fall off: 07/2018
Balance 0.00 Satisfied Date: 07/2013
LVNV Funding LLC unpaid judgement
Date Filed: 03/2009 - Date to fall off: 03/2016
Balance 1022.00
Asset Acceptance LLC unpaid judgement
Date Filed: 07/2009 - Date to fall off: 07/2016
Balance 1432.00
CapitalOne Bank NA unpaid judgement
Date Filed: 07/2008 - Date to fall off: 07/2015
Balance 1359.99
Collections
CALIF EMERGENCY PHYSICIANS
Date of first deliquency: 06/2012
Balance 361.00
CALIF EMERGENCY PHYSICIANS
Date of first deliquency: 06/2012
Balance 264.00
Closed revolving accounts in good standing
CPU/CITIBANK CBSDNA
Date open: 09/01/2003 - Date closed: 09/2007
Last reported: 07/01/2009
GECRB/CARE CREDIT
Date open: 08/08/2013 - Date closed: 02/2008
Last reported: 05/08/2014
SHELL/CITIBANK CBNA
Date open: 08/01/2003 - Date closed: 08/2006
Last reported: 10/01/2006
Rivermark CCU - Loan
Date open: 02/05/2005 - Date closed: 10/2006
Last reported: 03/2008
Open Revolving Accounts
Chase Freedom
Date open: 1-6-2015
Limit:500.00
Chevron
Date open:3-16-2015
Limit:850.00
PayPay SmartConnect
Date open:3-30-2015
Limit:750.00
Bank of America Rewards
Date open:4-17-2015
Limit:500.00 99/500 Secured
Kohls
Date open:6-7-2014
Limit:1500.00
Victorias Secret
Date open:6-4-2014
Limit:1850.00
Discover IT
Date open:1-11-2015
Limit:2700.00
Walmart CC
Date open:3-15-2015
Limit:3500.00
Amazon CC
Date open:3-7-2015
Limit:3500.00
CapitalOne Quick1
Date open:5-23-2014
Limit:1650.00
CFNA Firestone
Date open:7-3-2014
Limit:1400.00
Barclay Rewards
Date open:3-7-2015
Limit:1500.00
Fingerhut - Never used, they royally screwed this account creation. My wifes social when she never applied but my info.
Date open:7-15-2014
Limit:600.00
OverStock
Date open:3-16-2015
Limit:1400.00
Motorola
Date open:4-3-2015
Limit:1000.00
Express
Date open:6-30-2014
Limit:2300.00
Updates:
5-25-14 CapitalOne Platinum approved, 300 limit.
5-26-14 CapitalOne QuicksilverOne approved, 300 limit.
5-28-14 Discover card declined: Not enough revolving accounts, no open credit accounts.
5-28-14 Walmart card declined: Judgements/collection
5/28/14 Called CALIF EMERGENCY PHYSICIANS and could not get ahold of anyone. Will try again tomorrow.
5-28-14 Got Experian report - Errors; CapitalOne judgement; Asset Acceptance is trying to collect on the CO from before judgement, need to have removed. SOL is far passed for the CO to be collected upon and should only be the judgement. Also has CapitalOne as a open and reporting account being not paid yet none of the other credit reports list that since its already gone to judgement and they won by default. I have an outstanding balance of 600 dollars listed out of the 1310 limit.
6-5-14 Received letter from Victoria's Secret, answered 2 security questions approved for 250 limit. Have not heard back from anything above yet. May have to try finding some new phone numbers. - Sent off a pre approval online from DiscoverIT, wait 30 days message.
6-7-14 Applied for, CitiBank went for review online and denied. Amazon wait for further review. Kohl's approved 300.
6-12-14 Applied for BofA partial secured, approved but could not get the same deal over the phone so did not go through. CreditOne apply and approval 300.
6-30-14 Dragging on cleaning up my reports. Waiting until we have our finances settled, so calling collections can be pif. Wow its been only a month!
7-3-14 Firestone approved 1000 limit, Macy's old app approved 100 limit, called to verify twice on accident and they upped to 600.
Its been awhile!
10-11-14 Disputed 2 SOL CO/Collections on Transunion and Experian. (they are off my EQ report already)
10-14-14 CO/Collections removed from TU. Freebie report indicates the CO/Collection is also off my Experian report but but no confirmation from the company yet.
10-27-14 Another judgement paid off, not sure which one yet. Have to check my paperwork when I am off. 2 down 2 more to go! So all thats left is 634 in 2 medical collections and 2 judgements. Next judgement to be garnished is 3600.00 original bill judgement on my reports is 1200 or so.
10-28-14 I was wrong, checked into my check stubs and I only paid 667 towards the last garnishment so it stopped halfway just like the LVNV funding did a few months back. I also realized the letter I got from my company that lists the next garnishment and how much it is has the wrong docket number, mine ends in 485 and they have it listed as 482.
10-29-14 Experian reported back that they have deleted the Home Depot account. No collections on my experian report, just 4 judgements. Yay!
12-28-14 CreditOne card gave me a 100 CLI, new total 400.
12-30-14 Double CLis of 200.00 on Express and Victorias Secret online phone line. Giving answer of "no" when asked for a specific CLI.
12-31-14 CapitalOne Judgement has 2076 dollars left to pay off. (received an update letter in the mail from work)
1-7-15 Applied for Chase Freedom, 7-10 day message, called next morning automated line and was approved for 500 limit.
Dont really know how that works. 