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What I am working on Now

Established Contributor

Re: What I am working on Now

Yes Absolute is gone Smiley Happy just try sending them some GW's

 

I got mine gone via PFD

 

Granite/Resurgent sent me the same cookie cutter so I filed complaints against them with

 

their state AG's office waiting to hear back on that.


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 21 of 29
Established Member

Re: What I am working on Now

Ok great, I will definitely send out a GW to Absolute! I hope you get somewhere with Resurgent, I'll try to update if I make any significant progress with them.

Message 22 of 29
Established Contributor

Re: What I am working on Now

Pulled a scorewatch report this morning and I am up 28 points Smiley Happy

 

strange I didn't get an alert though.

 

Asset Acceptance was GONE Smiley Happy

 

Credit One Bank Charge off GONE (Thank you GW letter)

 

State Collection Service GONE

 

3 of 4 Paragon Revenue Group Medical Collections GONE

 

Can't wait to see what the new year brings Smiley Very Happy

 

 

 

TU up +30 Smiley Happy only have one collection left on that report

 

and will PFD that when I get my taxes back Smiley Happy

 

Just so pumped up and rejuvinated now that I am seeing some

 

decent score increases ready to get back at this full steam ahead.

 


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 23 of 29
Established Contributor

Re: What I am working on Now

Got this this evening +2  Smiley Happy


 

Alert:Your FICO® score has exceeded your target score of 534

Score Watch alert/Changes to your FICO® Score

Your FICO® score has gone up to 536 on January 3, 2012.
Target score alert:Your FICO® score has exceeded your target score of 534.

Your FICO score may have gone up because the following factor is not hurting your FICO score as much as before:

  • You’ve recently missed a payment or the date of your most recent missed payment is unknown

Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 24 of 29
Valued Contributor

Re: What I am working on Now

WOOHOO! keep up the good work!!! Smiley Happy 

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 25 of 29
Established Contributor

Re: What I am working on Now

and as of Yesterday -19 Smiley Sad

 

had a new collection pop up on my report NO Dunning notice or anything

 

just Poof there it was, DV going out in the morning wish me luck


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 26 of 29
Highlighted
Valued Contributor

Re: What I am working on Now

Good luck! wishing the best for you! make sure its CMRRR Smiley Happy 

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 27 of 29
Established Contributor

Re: What I am working on Now

I had to take some time off from rebuilding

 

I finally got both my EQ files combined into 1 and

 

that dropped my score about 50 points Smiley Embarassed

 

So I am in the process of getting those baddies that had been removed off

 

my report AGAIN!!!  I know that I won't have a squeeky clean report until May 2015

 

and I can deal with that one baddie hanging around till then as I can't pay it in full and

 

they will NOT do a PFD.

 


 



Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 28 of 29
Established Contributor

Re: What I am working on Now

Sorry for this but if I write it down, I usually stick to my game plan better so here goes:

 

Paying off 50% of my Util this month they all will be paid to ZER0 by the end of NOV except my cap 1

which I put my dog's food on each month that is 15.00, I suck at calculating Util but I don't think

15.00 on 900.00 will be a huge hit and hurt my scores too much.

 

Hopefully I will see a decent score increase next month when they report

both TU and EX are over 600 hoping EQ will follow along soon Smiley Happy

 

Got a cap 1 secured card in Jan and they gave me a nice little $200.00 credit line increase a couple months ago

 

Putting about 550.00 a month into savings for rainey days so I have something to fall back on so my bills won't get behind.

 

I still have that one baddie on my report that will fall off in 2015 but with it's age it is doing less damage, when I started rebuilding

 

thanks to a divorce I had a total of 22 med collections and 18 other collections for a total of 40 but thanks to PFD and DV letters I am down

 

to that one lonely collection.

 

A repo from 2007 that was on EX is gone don't know why but is is GONE... Smiley Very Happy

 

I am not gonna apply for any new credit until the end of 2013.

 

 

Thanks for all the help and advice I have gotten here

 

 

 

 

 

 

 


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Message 29 of 29