Reply
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

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
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Tomorrow is the day...

Hope for the best, keep us posted!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 199
Registered: ‎05-23-2007
0

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
Posts: 1,115
Registered: ‎10-31-2011
0

Re: Tomorrow is the day...

Good luck and look forward on hearing the outcome

ccpics2.jpg
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Tomorrow is the day...

+1

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Posts: 573
Registered: ‎02-12-2011
0

Re: Tomorrow is the day...

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



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.