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Posts: 13,869
Registered: ‎04-15-2011
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Re: This is my 27th Round of Letters

Scott you are a valued member of the myFICO forums.  You give great information to the members,(myself included).  We do appreciate your help and wish you the best of luck with lucky number "27".  :smileyhappy:



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+
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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!
Valued Contributor
Posts: 2,661
Registered: ‎04-25-2011
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Re: This is my 27th Round of Letters


tmobileguy wrote:

Out of curiousity, what is highest round of letters that you have had a positive result with? Or what was the account that took the most rounds of letters and how many did you have to send? I think people will be motivated to continue on if they know that you had success in the 25th round or something like that... I know this post has personally motivated me to continue on...


HSBC -- took well into the 20s.. and I was sending like, 10 out at a time to varying addressess haha

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
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Posts: 2,661
Registered: ‎04-25-2011
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Re: This is my 27th Round of Letters


Shogun wrote:

Scott you are a valued member of the myFICO forums.  You give great information to the members,(myself included).  We do appreciate your help and wish you the best of luck with lucky number "27".  :smileyhappy:


Thanks Shogun! Appreciate it!

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
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Posts: 573
Registered: ‎10-21-2012
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Re: This is my 27th Round of Letters

Rooting for you!!  27 feels like a lucky number to me!!  :smileyhappy:



Starting Score: TU:584 | EQ 584
Current Score: TU FICO: 711 | EQ FICO 713 | EX (USAA FAKO) 779
Goal Score: 780 across the board


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Posts: 32,869
Registered: ‎08-04-2007
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Re: This is my 27th Round of Letters

All you need is one "yes". The other no's don't matter.

Established Member
Posts: 17
Registered: ‎02-25-2013
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Re: This is my 27th Round of Letters

I am very curious to know how were you able to remove Portfolio? PM me if you like.

 

And thanks for all your contributions!!!

Established Member
Posts: 21
Registered: ‎01-29-2011
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Re: This is my 27th Round of Letters

A good reality check as I grumble about three rounds and getting nowhere. I'll keep at it.


Starting Scores: EQ 624 2/4/13 TU 548 *ouch* 2/1/13 EX 566
Current Scores: 3/8/15 EQ 685 FICO TU 672 FICO EX 667 FICO


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Posts: 2,661
Registered: ‎04-25-2011
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Re: This is my 27th Round of Letters


lahtiji wrote:

A good reality check as I grumble about three rounds and getting nowhere. I'll keep at it.


hahah yeah,  i know the feelings.. i always feel hopefull at the start, then pessemistic, then stubborn haha

 

What is the old lotto slogan? You gotta be in it to win it? Same deal with GW -- they have to be sent to have luck..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 09/14: TU: 784 | EQ: 752 | EX: 784
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession


Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $13900, Citi/Home Depot $8500, Capital One Cash Rewards $3500, BOA $7500 Total Utilization: 3%. AAoA: 2yr, 9mth. INQS: 1 TU, 1 EQ, 3 EX
Established Contributor
Posts: 534
Registered: ‎01-23-2013
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Re: This is my 27th Round of Letters


rckstrscott wrote:

lahtiji wrote:

A good reality check as I grumble about three rounds and getting nowhere. I'll keep at it.


hahah yeah,  i know the feelings.. i always feel hopefull at the start, then pessemistic, then stubborn haha

 

What is the old lotto slogan? You gotta be in it to win it? Same deal with GW -- they have to be sent to have luck..

 

-scott


^ THAT ^

New Visitor
Posts: 2
Registered: ‎03-04-2013
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Re: This is my 27th Round of Letters

Hello, I new to the forum but was wondering what your letters are about. I have disbuted things online and have gotten them removed but there is one that want. I was also wondering if your letters worked because of the letter or was the time just up to take them off. I had a collection account for an old light bill wit progress energy ontacted the collection agency and was told it would be removed once I paid it so I did pay it in full. Now Progress E. want remove it.

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