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This is my 27th Round of Letters

Moderator Emeritus

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".  Smiley Happy

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!

June 2017 update: All scores over 820, just pure gardening now.
Message 11 of 26
Valued Contributor

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
Message 12 of 26
Valued Contributor

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".  Smiley Happy


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
Message 13 of 26
Established Contributor

Re: This is my 27th Round of Letters

Rooting for you!!  27 feels like a lucky number to me!!  Smiley Happy



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


Take the FICO Fitness Challenge
Message 14 of 26
Moderator Emeritus

Re: This is my 27th Round of Letters

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

Message 15 of 26
Established Member

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!!!

Message 16 of 26
Valued Member

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: 3/22/16 EQ 744 FICO TU 754 FICO EX 740 FICO


Take the myFICO Fitness Challenge




Capital QS One $11,500 | SkyMiles Platinum AmEx $11,500 | Discover it $11,500 | Amazon SC $5,000 | Citi Simplicity $4,000 | Walmart SC $3,500 | Chevron/Texaco SC $2,500 | BrightStar CU Platinum Visa $2,500

Gardening for the forseeable future.
Message 17 of 26
Valued Contributor

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
Message 18 of 26
Established Contributor

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 ^

Message 19 of 26
New Visitor

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.

Message 20 of 26