01-16-2012 07:06 AM
01-16-2012 07:17 AM
Check the source of your scores. ScoreWatch only offers an EQ FICO and you can't purchase your EX FICO from anywhere without the help of a lender. You can only buy your EQ FICO from a lender, myFICO, or from a couple of links within Equifax.com. You can only buy your TU FICO from myFICO or your lender. And you cannot buy your EX FICO from anywhere, without the help of a lender. There are some banks and CUs that offer FICOs as well as part of a benefit. For example, PSECU offers an EX FICO. DCU, M&T Bank, and Unitus CU offers an EQ FICO. And you can get a TU FICO from Wal-MArt iuf you happen to have one of their CCs.
Don't dispute stuff. It makes it harder to come off sometimes. Send a GW to the paid collections instead.
You can try a GW on the short sale.
Mail a DV to Affiliated. If they verify and agree, then send a PFD.
For the medical, send a DV and if they verify and you agree, then send a PFD. Or follow the HIPAA process by paying it off with the doctor first.
Send a GW for the paid medical baddie.
Send GWs on the lates.
Stop disputing! Bad things can come of it.
I recall your other post on SunTrust, again, I wouldn't send a GW out of risk of a TL deletion.
Points are always possible.
01-16-2012 05:11 PM
01-16-2012 05:26 PM
IIRC, the Suntrust was closed with 30 day lates? Sometimes GWing can result in a closed account's demise. Doesn't always happen, but there's a chance. If this account is one of your oldest, then the risk exists for a score drop of they delete the entire TL instead of the lates. Also, FICO largely ignores 30 day lates after 2 years. YMMV on your credit.
01-16-2012 05:30 PM