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Senior Contributor
drkaje
Posts: 3,491
Registered: ‎07-25-2008
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Re: Sphinx313's Credit Journal. The road to 700!

In cases where a dispute was lost (for me) comments hung out until I called the respective agencies and requested their removal. TBH, I pretty much started out in 2007 with a shotgun approach and didn't get fully educated until joining/participating here.

 

Keep pushing because it feels great when the last late payment or negative item finally goes away.


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pineappledaydreams
Posts: 257
Registered: ‎04-03-2012
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Re: Sphinx313's Credit Journal. The road to 700!

Shotgun party. Can totally relate. Disputed everything all time several over. Shotgun with no ammo
On my phone apologies for the errors.



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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
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Re: Sphinx313's Credit Journal. The road to 700!

So I ALMOST had to cry in Wal-Mart a minute ago, luckily I would've fit right in with all the other crazies in there. I was walking through food shopping with my wife and my boys and my phone got an e-mail and a text at the same time.....that only happens when it's a myFICO SW alert or Chase, so I look at my phone and it's myFICO for the second time today saying it has detected a score change....being the cynical bastard that I am, I start swearing that it's a decrease in score and my wife walks away cause I'm mumbling angrily to myself.

 

I pull up the website....599. SON OF A GUN 1 point away from 600. I am telling you I will cry when I hit 600.



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
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Re: Sphinx313's Credit Journal. The road to 700!

The 7 points I just got today were from First Premier changing the balance from $901 to $401. I settled for less so it should report $0 soon, but I'll take the 7 points for $500 in util dropping off.



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Established Contributor
electra
Posts: 573
Registered: ‎10-21-2012
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Re: Sphinx313's Credit Journal. The road to 700!

Woot!!  :smileyhappy:



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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
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Re: Sphinx313's Credit Journal. The road to 700!

SW Alert today, score down to 583 from 599. Reason? First Premier is reporting a balance of $901 still instead of $0 and settled so the utilization is still being affected. They dropped it to $401 and I disputed it and they came back with $901 again. This is absolutely ridiculous and I am tired of these companies and their inability to correctly report. What am I supposed to do now? Open another dispute? Call FP?



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: Sphinx313's Credit Journal. The road to 700!

Hmm, use it to your advantage.  Send them a GW and in it let them know that they are currently reporting wrong information on your account.  It would serve a dual purpose, one they could just delete, if not, they could throw it into dispute and fix it.  Why not give it a try?


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Established Member
riotz911
Posts: 15
Registered: ‎12-12-2008
0

Re: Sphinx313's Credit Journal. The road to 700!

Have you had any luck with that Verizon?

Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
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Re: Sphinx313's Credit Journal. The road to 700!

BIG BIG BIG win today. Absolutely stoked. I sent a (rather nasty in my opinion) message to the collection agency for the college via their website. In it, I basically stated that I had no immediate reason to pay them unless court was a risk, and that I was aware of their court history sometimes taking 2-3 years before ever getting there. I noted that I would pay in full $1,600 for a deletion.

 

A lady from the collection agency called me today and said "I hate to be petty, but it's $1,600.75, and yes, we will take it for a deletion". She noted that ALL calls were recorded and kept for some time and that a letter would be drafted today stating the deletion. I promptly gave her my credit card number and the process has begun! Now to get the college to remove the hold on my state tax return for this exact debt!

 

HUGE win. This being my most recent collection (less than a year old) it should have a decent impact on my credit score!



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011
0

Re: Sphinx313's Credit Journal. The road to 700!

BADDIES

 

First Premier Bank: $0 (Settled in Full) Charge-Off. CA was ARM.

 

MidlandMCM: $0 (Settled in Full) Collection. From an old T-Mobile account.

 

Capital One: $0 (Settled in Full) Charge-Off. CA was NCO.

 

Verizon Wireless: $0 (Settled in Full) Collection. No Collection Agency on CR.

 

Farmer's Furniture: $140 Collection. No Collection Agency on CR. (Bastards)

 

Capital One: $0 Charge-Off. Strange, shows $0 but no CA has been on file ever.

 

HSBC Bank: $0 Charge-Off. Assigned to Nobody. PRA Deleted. $414 debt hanging in the air for now.

 

Allied Collection Service: $0 (Paid in Full) Collection. Local College is OC. COLLECTION IS PENDING DELETION!

 



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


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