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Worksheet to Document the Baddies

Valued Contributor

Worksheet to Document the Baddies

I've put together this sheet to help me track my progress so far.

 

It's pretty simple. Green text means it's been removed. The dates listed are when I pulled reports. Known drop-off dates are listed under the name of the TL.

 

Gotta say, it's so much easier to digest in spreadsheet form...hopefully this will help someone!

 

Of course, the ultimate goal is to have all of these TL's in Green!!!

 

    EXEQTU
       
First Bank of Delaware     
Never reported on EQ   3/5/12 EX 
   3/28/12   TU
   4/11/12   
   4/14/12EX  
   4/24/11  TU
       
       
First Premier Bank     
 Nov-2013 3/5/12  TU
   3/28/12EXEQ 
       
HSBC Bank      
 May-2015 3/5/12  TU
Not Reporting on EQ  3/28/12EX 
       
       
LVNV Funding      
 May-2015 3/5/12  TU
   3/28/12EXEQ 
       
Midland Funding 853     
 Nov-2014 3/5/12  TU
   3/28/12EXEQ 
   4/14/12 EQ 
   4/28/12EX  
   4/30/12  TU
   5/28/12 EQ 
       
Midland Funding 854     
 Apr-2016 3/28/12EX  
   4/14/12   
   4/24/12  TU
   5/28/12 EQ 
       
NCO Financial      
   3/28/12EX  
   4/11/12  TU
   4/16/12EX  
   4/24/12  TU
       
Plains Commerce Bank     
 May-2013 3/5/12  TU
   3/28/12EX  
       
Salute Visa      
   3/5/12  TU
   3/28/12EXEQ 
   4/11/12  TU
   4/14/12EX  
   4/26/12 EQ 
       
       
       
       
       
Trident Asset Management     
   3/5/12  TU
   3/28/12EX  
   4/11/12  TU
   5/27/12EX  
       
Reporting      
Removed      
Investigation      
Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 1 of 6
5 REPLIES
Community Leader
Epic Contributor

Re: Worksheet to Document the Baddies

Helpful!

 

Just a note on collections and charge-offs......

Under FCRA 623(a)(5), reporting of a DOFD only requires providing the month and year, so the CR exclusion dates wont have a specific day associated with them.

 

Message 2 of 6
Valued Contributor

Re: Worksheet to Document the Baddies


RobertEG wrote:

Helpful!

 

Just a note on collections and charge-offs......

Under FCRA 623(a)(5), reporting of a DOFD only requires providing the month and year, so the CR exclusion dates wont have a specific day associated with them.

 


Yeah...my Excel formatted the 4-digit year incorrectly...I fixed it though! Thanks!

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 3 of 6
Super Contributor

Re: Worksheet to Document the Baddies

What a great idea.  I use Excel for my budget.

+1000

12/08/2017 FICO: EQ 843 TU 849 EX 844
Message 4 of 6
Established Contributor

Re: Worksheet to Document the Baddies

I use an EXCEL sheet to track mine too. I track DOFD, Names, Amts, Dates I've sent a PFD, DV or GW and current status on each CRA report.

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 5 of 6
Established Contributor

Re: Worksheet to Document the Baddies

Great worksheet. I track my baddies on an EXCEL worksheet also. In addition, I keep them in a 3 ring binder alphabetized with all correspondence for that file. I keep a cover sheet in the front of each file and track and date phone conversations, when I receive a stmnt, when I make a payment, what LTRs have been sent , or when it has been deleted from the CBs etc etc. ANYTHING & EVERYTHING that takes place on that particular file. I have 36 files, mostly medical, so I would be lost...
CS 728- 01/13 from 554-12/11
Goal: 800
Message 6 of 6