@pip3man wrote:I feel so effing discouraged and disappointed right now. So since I been unable to pull my FICO scores directly from here, I decided to get it from EQUIFAX Score Power which is supposedly direct real FICO scores. BOYYYY I was totally floored to see the scores that was thrown back at me!! C'mon now I know EQ always tend to be my lowest score amongst all bureaus but it cant be this bad..... Just one negative (an unpaid BOA charge off $1560 & 1 hard inquiry 07/23/2013) plus high utilization and I'm sitting at 490!!!!!!! People i say 490!!!!! This can't be life for real, got me so depressed. Credit Karma stay be fooling me all these while that my scores are 552 and I stay catching false hopes imma hit the 600s in a few months when I pay off my balance to zero. At 490 I can't even be redeemed ... the way I feel right naw, I just wanna say eff it to rebuilding and let my scores revive itself over time. This just killed ma vibes and spirit smhhh I'm out.....
Work out a plan to get your utilization down to less than 30% at minimum. This isnt as bad as you think. The score does seem low for what you say is on the report. Are there public records involved here too ?
@Melanie220 wrote:
Get that utilization down to <9% and start shooting off settlement offers to BOA. Or check the site and see if ppl have luck with PFD. Either way get it paid and start good willing them every day if needed!
Haha Melanie thanks that sure gives me some ray of hope but it's not as easy. I got other debts but none has made its way to my credit file yet so im trying as hard as possible to ward them off. This charge off with BOA shouldn't have even occured in the first place cos I purchased this BOA Credit Protection Plus thingy when I first got my Bank Americard Cah Rewards card. When I noticed I was gonna have difficulties in keeping up with my regular payments I tried to activate the protection which should have covered me for 18months straight up. But BOA being as difficult as they are never approved it until like last week. I requested the benefit protection back in June 2013 and I only got my approval just this week on March 17 (almost a year later) and my account charged off this January 2014. But u know what?! I'm mapping ma plans together and ready to slam them so hard. They are gonna have to reverse the charge off, remove all the late payments (prior to ma struggles I had a perfect payment history with them) and if possible reopen ma account - but I dont care bout the last. Imma keep u guys updated how my fight with them turns out.... and ma apologies for the long ranting, just needed to vent a little. Keep up with the good job so u can keep folks like us inspired. Thank you 
@pip3man wrote:
@Melanie220 wrote:
Get that utilization down to <9% and start shooting off settlement offers to BOA. Or check the site and see if ppl have luck with PFD. Either way get it paid and start good willing them every day if needed!Haha Melanie thanks that sure gives me some ray of hope but it's not as easy. I got other debts but none has made its way to my credit file yet so im trying as hard as possible to ward them off. This charge off with BOA shouldn't have even occured in the first place cos I purchased this BOA Credit Protection Plus thingy when I first got my Bank Americard Cah Rewards card. When I noticed I was gonna have difficulties in keeping up with my regular payments I tried to activate the protection which should have covered me for 18months straight up. But BOA being as difficult as they are never approved it until like last week. I requested the benefit protection back in June 2013 and I only got my approval just this week on March 17 (almost a year later) and my account charged off this January 2014. But u know what?! I'm mapping ma plans together and ready to slam them so hard. They are gonna have to reverse the charge off, remove all the late payments (prior to ma struggles I had a perfect payment history with them) and if possible reopen ma account - but I dont care bout the last. Imma keep u guys updated how my fight with them turns out.... and ma apologies for the long ranting, just needed to vent a little. Keep up with the good job so u can keep folks like us inspired. Thank you
WHOA, ya I think you have recourse here with them over this, demand by US Mail CMRR that the CO be removed and the account restored to current status, if they wont budge either file a CFPB complaint or hire a consumer attorney and hit them with a suit.