Reply
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Tomorrow is the day...

Cross your fingers for me Myfico. Tomorrow I'm getting an answer for a relatively aggressive PFD I sent out. I had two medical collections from within a month of each other assigned to the same CA. One for ~150 and one for ~375. This was about 18 months ago. I paid the smaller one prior to finding the forums unfortunately, but I offered to pay the larger one in exchange for deleting both.  I sent out the offer Oct 1, but because the CA uses a PO box they didn't receive my offer until the 18th. They told me it would take up to 30 days to decide, which apparently meant 30 days no matter what.  The guy I've talked to said he would contact me no matter what on Monday. If these get tossed I'll be down to 1 paid collection on 2/3 bureaus, with a 6 year old verizon paid charge off still lingering on EQ. Here's hoping...

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Moderator
Shogun
Posts: 12,890
Registered: ‎04-15-2011

Re: Tomorrow is the day...

Best of luck to you!


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!
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Tomorrow is the day...

Hope for the best, keep us posted!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Regular Contributor
getmycreditright
Posts: 199
Registered: ‎05-23-2007

Re: Tomorrow is the day...

Good luck!

-------------------------------------------------------------------------------------------------
Starting Score - 575 (4/10)
Current Score - EQ - 750, TU - 752, EX - 728 11/4/12

Current Cards:
AMEX SPG ($7.5k), Amazon.com Visa ($3k), Discover More ($2k) all since 11/4/12

Fighting the good fight!
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Tomorrow is the day...

Good luck and look forward on hearing the outcome

ccpics2.jpg
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Tomorrow is the day...

+1

Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Tomorrow is the day...

Called, and the guy assigned my account said still no answer. Not sure what it takes to get someone to take 5 minutes to review my info, but this is pretty frustrating. Will be calling again tomorrow. If I get a NO it will be tough to hear after all this

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012

Re: Tomorrow is the day...

News-ish?

 

So, I called back in of course, because I have zero patience.  The guy in charge of my account/settlement/blah said he's still waiting BUT.  He may have mispoke or at least gotten a little ahead of himself.  He told me he's waiting for LOCAL MEDICAL CENTER XXX to sign off, because they need to make sure the collection is fullfilled and everyone agrees to call it a day.  When I asked him if that meant it was agreed to buy the CA, he backtracked a bit, saying it was still not fully signed off as YES/NO by them yet.

 

This makes me hopeful that I might actually get it deleted, or it will absolutely crush my spirit if I get a NO.  Either way I doubt I get an answer before next week, since my account guy is off tomorrow. 

 

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011

Re: Tomorrow is the day...

Good luck to you! Hopefully it goes in your favor!



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
Goal Score: 700


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+