12-16-2012 10:17 AM
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.
12-16-2012 10:38 AM
12-16-2012 01:06 PM
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.
12-16-2012 01:14 PM
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.
12-16-2012 01:17 PM
12-23-2012 03:44 PM
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?
12-23-2012 07:09 PM
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?
02-11-2013 06:48 PM
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!
02-11-2013 07:03 PM
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!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.