Reply
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

What I am working on Now

So here is a run down of the baddies on my CR that I am working on this month:

 

First Premier Bank

DOFD 12/2008

Balance $652.00

Charge Off

 

Call ed FP to see if they still owned the account and was going to pay Balance down

Said Account had been sold, I said that since account had been sold they should be showing

a zero balance, Rep from FP said to Dispute and they would change balance to 0

that will cut my Util by 49%

 

Paragon Revenue Group

Med Collection

DOFD 03/2009

$96.00

 

Sent PFD

 

Rhodes, Kelly and Assoc

Med Collection

DOFD 05/2011

$1213.00

 

Called OC on this one as I haven't have surgery found to be a billing Error

said they would have CA remove from my reports with 7 to 10 days.

 

JL Watson and DOFD 11/2007

Bonded Collection Agency DOFD 02/2008

DV'd both of them as they are both reporting for the same Account

Hopefully one will come off my reports

Bonded Collection Agency DV came back as Moved, Left no Address

looked them up online found new addy sent DV there.


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

[ Edited ]

I find that I can work better and stay focused if I have a journal or log

I am also posting it here so that if anyone has any advice on how to

proceed they can jump in and give me a hand.

 

Approved for Cap1 Secured Card and put 350.00 on it

Will use it for Mr. Ninny's food and PIF every month before

The "report" date

 

Getting a Secured card from my bank with

a 300.00 limit will use that for Gas and PIF each

month before "reporting" date

 

Getting a US Bank Harley Davidson Secured card with a 200 limit

Will use it for Chicken Feed and then again PIF before the reporting date

 

Ordering Scorewatch on 11/28/2011 I sure do miss

the Score Simulator

 

I will not apply for anymore new credit until 11/25/2012

I hope to have scores up to 725+ buy March of 2013 or sooner

 

3 DV's going out in the am for:

Asset Acceptance Corp

Trident Asset Management

Fair Collections and Outsourcing

 

Sending out PFD too:

Absolute Collection Service $128.00

 



Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Frequent Contributor
PixieQueen80
Posts: 292
Registered: ‎01-05-2010

Re: What I am working on Now AKA Rebuilding Journey


hoping2rebuild wrote:

I find that I can work better and stay focused if I have a journal or log

I am also posting it here so that if anyone has any advice on how to

proceed they can jump in and give me a hand.

 

Approved for Cap1 Secured Card and put 350.00 on it

Will use it for Mr. Ninny's food and PIF every month before

The "report" date

 

Getting a Secured card from my bank with

a 300.00 limit will use that for Gas and PIF each

month before "reporting" date

 

Ordering Scorewatch on 11/28/2011 I sure do miss

the Score Simulator

 

I will not apply for anymore new credit until 11/25/2012

I hope to have scores up to 725+ buy March of 2013 or sooner

 

3 DV's going out in the am for:

Asset Acceptance Corp

Trident Asset Management

Fair Collections and Outsourcing

 

Sending out PFD too:

Absolute Collection Service $128.00

 



With Trident Asset Management I would do a PIF in you know its your debt.  I called them on the phone had them fax me a letter stating the arrangement (they have a form letter that they can send in seconds) and then pay them because all they really want is the money.

Starting Scores (7/26/2010): EQ 517; TU 508; EX 527 (lender)
Scores Along the Way (11/4/2010): EQ 542; TU 547; (11/8/2010) EX Plus 641
Scores Along the Way: (4/15/2011): EQ 516; TU 622; EX 585 (lender)
Scores Along the Way: (8/25/2011): EQ 617; TU 627; EX 625 (lender)
Scores Along the Way: (11/28/2011): EQ 617; TU 645; EX 667 (lender)
Current Scores: (8/9/2013): EQ 634; TU 662; EX 694 (lender)
Closed on a Home: 12/30/2011 Goal Scores (8/25/2014): 700 club
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

[ Edited ]

I am not 100% sure it is mine that is why I sent the DV

 

If they can validate I will happily PFD

 

I am PFD'ing and HIPPA (Medical) everything I know for sure is mine and have had

 

a bunch (22 down to 5) collections come off my report :smileyhappy:


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Frequent Contributor
PixieQueen80
Posts: 292
Registered: ‎01-05-2010

Re: What I am working on Now AKA Rebuilding Journey

Congratulations you are on a roll.  I suggested paying T.A.M. because they are botton feeding creditors and if you needed the credit for a home or auto loan I would just cut to the chase with them since the accept PIF's unlike some of the other collection agencies.

 

Hopefully, they are unable to verify and you can get it removed that way without paying any money.

Starting Scores (7/26/2010): EQ 517; TU 508; EX 527 (lender)
Scores Along the Way (11/4/2010): EQ 542; TU 547; (11/8/2010) EX Plus 641
Scores Along the Way: (4/15/2011): EQ 516; TU 622; EX 585 (lender)
Scores Along the Way: (8/25/2011): EQ 617; TU 627; EX 625 (lender)
Scores Along the Way: (11/28/2011): EQ 617; TU 645; EX 667 (lender)
Current Scores: (8/9/2013): EQ 634; TU 662; EX 694 (lender)
Closed on a Home: 12/30/2011 Goal Scores (8/25/2014): 700 club
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

It will most likely be a couple weeks before I hear back from them they just

 

got their DV on 11-21-2011, I don't know how fast they are about responding.


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

[ Edited ]

PFD accepted for Trident Asset Management will pay that on 12-02 it will be off my CR in 30 days and will also knock 125.00 off my Util :smileyhappy:

 

Mailed 6 more DV's this morning for different accounts found on my (4)EX and (2)TU that were not on my EQ

 

Mailed 2 Past SOL letters in response to dunning letters for accounts that were in 2002 and 2003

 

Still waiting on scorewatch to pop up with the 5/2011 collection removed and for the FP to go to ZERO balance(another 652.00 off UTIL)

 

after the Trident asset and the FP come off my Util that will drop it from 100% down to about 13% :smileyvery-happy:

 



Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

[ Edited ]

Sent out a DV to JL Walston and Assoc on 11/18

 

they signed for it on 11/22( they were 1 of 2 CA's reporting the same debt)

 

Got a Scorewatch alert last night for +9 on my EQ and they are gone

 

off my reports :smileyvery-happy:  Still waiting to get their response in writing

 

if there is one but I am so thankful this is gone.


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

Got a DV response back from Asset Acceptance LLC that said

 

You owe $630.22

Intrest $ 17.99

 

Welcome to Asset Acceptance blah blah blah for another paragraph

 

if you dispute this debt within 30 days we will send you the name of the

 

Origional Creditor and obtain verification of the debt

 

 

OK so why didn't they do that with my DV letter?  UGH!!!

 

USPS CMRRR  here I come!!!


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008

Re: What I am working on Now AKA Rebuilding Journey

In a holding pattern now, waiting on GW responses

 

and 2nd DV letter to Asset Acceptance.

 

I am still waiting on DV's that were signed for  on 11/22 from 3 CA's hopefully they are just going to delete :smileyhappy:

 

Also waiting to hear back from about 6 PFD's.

 

Since 11/28 I have gone up 18+ on EQ and 10+ on TU not sure about EX as I

 

can't get a score and don't wanna  app just yet and EX doesn't like me :smileysad:

 

Trident Asset Paid just waiting on it to come off since they send their stuff  through on the 25th.

 

Keeping my fingers crossed that everyone gets many deletions, gw's and HUGE point jumps for Christmas this year :smileyhappy:


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards

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+