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Established Member
Mister_Wonderful
Posts: 23
Registered: ‎03-17-2013
0

Road To Redemption

[ Edited ]
Good Evening Friends,

Like so many of you I am here to pick up different tips, tricks, and advice to rebuild my credit. The last thing I want to do is pollute the forum with multiple listings of my journey so I will definately try my best to keep everything in this forum. Currently I have 7 Baddies on my credit report that I would like to remedy. Below are the items as well as the listings (in terms of lateness and when they are due to fall off on my report). If you see yourself in the same sitaution and have advice to offer please do so.

Macy's:
Date Opened 06/01/2005
Date Reported April 01, 2011
Status: CHARGE-OFF
Date of First Delinquency: Feb., 2009
Account will remain on my report until November 2015

30 days late 1 time
60 days late 1 time
90+ days late 5 times (Aug 2009, Jul 2009, Jun 2009, May 2009, Apr 2009)

Descriptions
Account paid for less than full balance
Paid charge off

Chase:
30 days late 1 time (Aug 2012)
60 days late 1 time (Oct 2011)

US Department of Education Date opened Sep, 2010:
90+ days late 2 times (Sep 2012, Aug 2012)

US Department of Educaion Date opened Sep, 2010:
90+ days late 2 times (Sep 2012, Aug 2012)

Suntrust Date opened Dec, 2008
Paid Charge Off/Bad Debt

Bank Of America Date opened Sep, 2008

Capital One Date opened Dec, 2005
30 days late 2 times (Mar 2010)
60 days late 1 time (Apr 2010)
90+ days late 7 times (Oct 2010, Sep 2010, Aug 2010, Jul 2010, Jun 2010, May 2010)


So far I have been successful with one Goodwill Letter to AMEX (woohoo!!!)

So any suggestions, comments, feedback would be greatly appreciated


EFX Starting Score:
589 EXP Starting Score: 622 TU Starting Score: 647
EFX Current Score:
708 on 9/11/14 EXP Current Score: 694 on 6/6/14 TU Current Score: 703 on 6/28/14
Across the board:
700

Take the myFICO Fitness 2014 Challenge
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008
0

Re: Road To Redemption

They all appear to be paid or only lates reporting.  If that is the case about the only thing you can do is start sending out GW letters.  You may get 100 no's but it only takes one yes.

 

If one person says no, find another one to send a GW to.  Just keep sending them.

Regular Contributor
eastexascout
Posts: 111
Registered: ‎11-27-2012
0

Re: Road To Redemption

With Macy's I would call.  I had really good success with just giving them a call.  They are relatively receptive to sympathetic stories & whatnot.

 

Likewise, I would make sure I talk to a higher rep.  I spoke with a few lower guys that continually told me there was nothing they could do.  Once I spoke with the higher rep, everything was "clean & clear". 

 

I had 13 lates ranging from 30 to 120's....

 

SO it can def be done!!!

"just trying to get my credit up..."
Established Member
Mister_Wonderful
Posts: 23
Registered: ‎03-17-2013
0

Re: Road To Redemption

What number are you dialing for Macy's?

I have called the following numbers:
877-493-9207
866-533-0825
800-543-9617

The last time I sent a Goodwill Letter to Macy's was on March 19, 2013 and received a declination letter on April 19, 2013. I will prepare another letter this week.


EFX Starting Score:
589 EXP Starting Score: 622 TU Starting Score: 647
EFX Current Score:
708 on 9/11/14 EXP Current Score: 694 on 6/6/14 TU Current Score: 703 on 6/28/14
Across the board:
700

Take the myFICO Fitness 2014 Challenge
Regular Contributor
eastexascout
Posts: 111
Registered: ‎11-27-2012
0

Re: Road To Redemption

I just called the number that was listed on the Macy's website. 

 

One key thing as i mentioned before, make sure if they give you any hassle (the front line folks) just ask to speak to a supervisor.  These guys are really helpful and willing to help.

 

 

"just trying to get my credit up..."
Established Member
Mister_Wonderful
Posts: 23
Registered: ‎03-17-2013
0

Re: Road To Redemption

Ok...because my account is charged off they state that they have to transfer me to a "Senior Analyst" to view my account. The business hours are strict, luckily I go on vacation this Wednesday so I should make a lot of positive moves.


EFX Starting Score:
589 EXP Starting Score: 622 TU Starting Score: 647
EFX Current Score:
708 on 9/11/14 EXP Current Score: 694 on 6/6/14 TU Current Score: 703 on 6/28/14
Across the board:
700

Take the myFICO Fitness 2014 Challenge
Regular Contributor
eastexascout
Posts: 111
Registered: ‎11-27-2012
0

Re: Road To Redemption

Yeah that's probably who you'd need to speak with. 

 

I hung out on the phone with them for a while, however they took care of the issue fast.

 

 

Just stay on top of it and you nail it.

"just trying to get my credit up..."

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