The start of my Journey...advice is welcome.
Negative accounts from Experian and Transunion...just got my Equifax today and haven't had time to work on it.
Exp: Applied Bank - Chargeoff /$1215 - Fall off date 5/2014 - Denied early delete via several phone calls 4/3/...will keep trying.
EQ, TU and Exp: Conn's - Lates 3 - 30 day, 1 - 60 day, 1-90 day from last year - Denied verbal goodwill request to remove any lates - account is current
TU and Exp: Credit One Bank - Chargeoff/$0 balance - Fall off date 10/2014 - DELETED by TU
TU and Exp: Datcu - Chargeoff/$633 - Fall off date 10/2018 - Will try PFD when I get the funds
TU and Exp: First Financial Bank - Chargeoff/$519 - Will try PFD when I get the funds
Exp: HSBC Bank - Chargeoff/$0 balance - Fall off date 7/2014 - Deleted 4/8 from online request
TU and Exp: LVNV - Chargeoff from Credit One Bank - DELETED by TU
Exp: LVNV - Chargeoff from HSBC/$1137 - Fall off date 5/2014 - Was granted early deletion by TU 3/26...Exp. deleted via phone request 4/3
EQ, TU and Exp: TXU Energy - Chargeoff/$70 unpaid - Fall off date 9/2015 - PFD denied...told they would accept payment and update to paid in full...no delete. 4/7 will keep trying.
TU and Exp: Webbank/Fingerhut - Chargeoff/paid - Fall off date 7/2019 - Goodwill to remove TL
Starting Score: 3/2014 - TU FICO 566, EQ FICO 569, EX FICO 563UPDATE!!!
Called Experian this morning to request early deletion of two accounts due to fall off 5/2014. The first person told me that I'd have to wait until next month. Really? Ok.
So...I called right back and the next person I talked to was very nice. I gave her the name of the first account...Applied Bank. She said she'd try to delete it if the system would let her and put me on hold. She came back and said it wouldn't. Then she asked me what the other account was and I told her LVNV. She tried and it let her delete it! She took my email address and told me I should have confirmation within the next 24-48 hours.
Exp: LVNV - Chargeoff from HSBC/$1137 - Fall off date 5/2014 - Deleted 4/4/2014 - waiting on email confirmation
Haven't received an email yet showing the LVNV deletion but checked the status of my online request and it showed up there!
| LVNV FUNDING LLC Account Number: 515599000176....... |  | Outcome: Deleted |
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My other requests are still in progress...Credit One and another LVNV have been updated but they aren't due off until 10/2014. HSBC is due off 7/2014 and it shows pending. Fingers crossed!
Results of the Experian online early delete request came in today...HSBC was due off 7/2014. The other two are due to come off 8/2014 and 7/2014...not sure why two different dates...they are for the same account.
| LVNV FUNDING LLC Account Number | Outcome: Updated |
| HSBC BANK Account Number | Outcome: Deleted |
| CREDIT ONE BANK NA Account Number: | Outcome: Updated |
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Slowly making progress!
And it's positive progress, Congrats!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Thank you Shogun! I am looking at your scores and it gives me hope!
After being denied early deletion for Credit One and LVNV from my online request and verbal request by TU I sent in another request the old way...online but the results came in the mail. Took about 2 weeks and I got the results today...both of them deleted. My score jumped 18 points!!! Now in the 600's on TU.