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Valued Contributor
rckstrscott
Posts: 2,656
Registered: ‎04-25-2011

This is my 27th Round of Letters

This is my 27th wave of letters. I have two things left to tackle. Paid Illinois state tax lien and one collection reporting on only Experian. This time I am sending out a couple different variations and I am sending a few emails. Yes, I keep track. I have an entire filing cabinet full of replies, credit reports, dispute resolutions, denial letters...

 

I started in October of 2010 with the first wave. Over $500 dollars in postage so far.

 

Just wanted this to be a reminder to those that although I spend most of my time replying and giving (at least what I hope is ) solid opinions on rebuilding and accounts, I am still rebuilding myself. Maybe this is just a reminder to myself.

 

Don't get discourage folks, if GW letter 1 doesn't working, GW letter 10 might not either.

 

But, GW letter 17 might do the trick. In my case; I hope its GW letter 27.

 

Yes; I try different approaches with each one. That is essential to keeping focused I think.

 

Anyway, continued good luck with your journey! :smileyhappy:

 

-scott 

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
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

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Senior Contributor
DaBears
Posts: 3,916
Registered: ‎10-26-2012

Re: This is my 27th Round of Letters

Way to go Scott, my Chicago Cubs could use you as a manager and hopefully win another world series in my life time.....I grew up a northside (5 blocks away from Wrigley) I hate the Sox....but was glad atlease one of our teams got a title in 05' lol

Frequent Contributor
koky
Posts: 462
Registered: ‎02-25-2013

Re: This is my 27th Round of Letters

Keep that attitude going.... Good Luck...
Valued Contributor
rckstrscott
Posts: 2,656
Registered: ‎04-25-2011

Re: This is my 27th Round of Letters


koky wrote:
Keep that attitude going.... Good Luck...

Thanks Koky and DaBears!

 

I intend on keeping up with it until its all done!

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
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

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Valued Contributor
Epcot
Posts: 2,760
Registered: ‎10-10-2012

Re: This is my 27th Round of Letters

Now that is commitment! Good for you, hope it all works out. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 780 EX 770 TU 774
App free since 4/11/13
Established Contributor
Crossdivided
Posts: 534
Registered: ‎01-23-2013

Re: This is my 27th Round of Letters

Whatever it takes brother. Whatever it takes.
Moderator
LIGHTNIN
Posts: 4,030
Registered: ‎03-24-2008

Re: This is my 27th Round of Letters

HI Scott,

 

Just remember, those who do get results, those who dont will never know.

 

Good Luck to YOU!!:smileywink:

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Valued Contributor
rckstrscott
Posts: 2,656
Registered: ‎04-25-2011

Re: This is my 27th Round of Letters


LIGHTNIN wrote:

HI Scott,

 

Just remember, those who do get results, those who dont will never know.

 

Good Luck to YOU!!:smileywink:


Yeah! Which, like you, the older posters and the mods, are here. And I plan on staying even after I am dont rebuilding..

 

I enjoy it too much haha MyFICO posting addiction..

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
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

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
New Contributor
tmobileguy
Posts: 88
Registered: ‎11-16-2012

Re: This is my 27th Round of Letters

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...


Starting Score: EQ 575 EX 595 TR 524
Current Score: EQ 643 EX ??? TR 638
Goal Score: EQ 300 EX 300 TR 300


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Contributor
jeremyd82
Posts: 88
Registered: ‎08-17-2012

Re: This is my 27th Round of Letters

have you recieved a response or? I sent my first round last Monday and no response yet or will the no respone equate to a denial of my request?

 

8/2012 485 FICO
2/2013 611 FICO
6/2013 602 FICO


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