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Established Member
Posts: 11
Registered: ‎07-01-2012
0

The last ones are always the toughest... need suggestions

Through the help of this board I've been able to tackle my issues.  Aug 2011 my score was in the high 400's (eeek!, I know), I recently just entered the 600's.

 

When I first started I had upwards of 16 baddies; here's what's left- could use some help on how to continue tackling these:

 

FPB - CO- $345 balance.  Set to fall off 6/2015

FPB - CO-  $320 Balance.  Set to fall off 8/2015

HSBC - CO - $0 balance.  Set to Fall of mid-2015 (see the pattern here)

Mercantile Adj Bureau (Experian Only) - $345 for old utility bill. Refuses to respond to emails and letters.

3 seperate US Dept of Ed loans- ACS was servicer (they transferred to new servicer).  Consolidated loan then split into 2 seperate loans when they changed their reporting system.

 

If anyone has any helpful contacts or suggestions- feel free to PM me.  Great team here!  Thanks

 

 

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: The last ones are always the toughest... need suggestions

I am assuming that these accounts are outside the SOL of your state, if they are, include that in your PFDs.  "I realize that these accounts are outside the SOL, however in a gesture of GW, I'm willing to pay them if you are also willing to give a gesture of GW and delete them when paid."  See if that gets their attention.

Starting Score: 504
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!
Established Member
Posts: 11
Registered: ‎07-01-2012
0

Re: The last ones are always the toughest... need suggestions

I have lived in 3 states since I opened this account- MA (where account was opened), NY, and now CA.  Which state's SOL should I use?

Moderator
Posts: 13,897
Registered: ‎04-15-2011
0

Re: The last ones are always the toughest... need suggestions

I know the original one when you opened the account and the one you're living in now.  They can use either one.

Starting Score: 504
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!
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