Yippee!

[Anonymous]

I am so excited I want to shout for joy!!

I have been working to rebuild my credit for a year now. No lates in over a year. For the past few months I have been goodwilling some old paid collections and working on 2 judgments. I had 1 judgment paid and removed from all 3 bureau's. I posted on someone else's post that it was only removed on Experian and Equifax. I went on TU website to process another dispute for it and noticed it was no longer there!! So as long as I was on there I disputed a Midland collection account that is paid. It was listed as disputed (a goodwill only got them to continuously report it as "disputed" and I don't want that).

I figured I would do the same on all 3 reports.
I get to Experian where all but 1 of my medical collections are and are from the same hospital and same CA  (the other 1 is on TU and nothing has worked to get that removed) to find a new medical reported! I KNOW everything was paid a few months back and nothing new has come up! I am SO glad I decided to take another shot at it!

I called the CA to discuss it. A few months ago I had sent a payment to the OC and they applied it to my ex-husbands account in error. They were supposed to move the $ to where it was originally supposed to go and I was going to send a check for his account (That is a whole another problem in and of itself. But it was only 1 so I paid it). They didn't. The CA called the OC, they were in the process of issuing me a refund because their records showed paid. Yeah, 2 months later. The CA adjusted their records, had the OC adjust theirs as well, AND told me she would removed ALL the collections from my credit report and she is sending me out paper documentation to attest to this. There are 7 of them on Experian!!!

It has been such a hard journey but rewards such as todays make it all worth it!!

In a month or two (when disputes are processed) I am submitting an app with USDA for my first home on my own!!

[amh783]

Congrats! I'm glad it worked for you too!!!

[Anonymous]

Now I am rethinking the Midland deletion (if possible).

Would you have this deleted?.

Status: Paid,Closed.
Date Opened: 08/2008 Date of Status: 04/2011 Reported Since: 10/2008 Last Reported Date: 04/2011	Type: Installment Terms: 1 Months  Monthly Payment: $0 Responsibility: Individual	Credit Limit: $926 High Balance: N/A  Recent Balance: N/A Recent Payment: N/A
Account History: Collection as of Apr 2010 to Mar 2011, Feb 2010, Sep 2009, Oct 2008 to Aug 2009
Balance History - The following data will appear in the following format: account balance / date payment received / scheduled payment amount / actual amount paid Mar 2011: $561 / January 13, 2011 / no data / no data Feb 2011: $561 / January 13, 2011 / no data / no data Jan 2011: $561 / January 13, 2011 / no data / $106 Dec 2010: $668 / December 16, 2010 / no data / $106 Nov 2010: $775 / October 14, 2010 / no data / no data Oct 2010: $775 / October 14, 2010 / no data / $106 Sep 2010: $1,022 / August 12, 2010 / no data / no data Aug 2010: $1,022 / August 12, 2010 / no data / $293 Jul 2010: $1,022 / no data / no data / no data Jun 2010: $1,022 / no data / no data / no data May 2010: $1,022 / no data / no data / no data Apr 2010: $1,022 / no data / no data / no data Feb 2010: $1,022 / no data / no data / no data Sep 2009: $1,022 / no data / no data / no data Aug 2009: $1,022 / no data / no data / no data

 It is an older account, my other older accounts are:

Chase:

Status: Transferred,closed. $1,219 written off.
Date Opened: 09/2003 Date of Status: 11/2007 Reported Since: 10/2003 Last Reported Date: 11/2007	Type: Credit card Terms: N/A  Monthly Payment: $0 Responsibility: Individual	Credit Limit: $750 High Balance: $1,348  Recent Balance: N/A Recent Payment: N/A
Creditor's Statement: Purchased by another lender.
Account History: Charge Off as of Nov 2006 to Oct 2007 150 days past due as of Oct 2006 120 days past due as of Sep 2006 90 days past due as of Aug 2006 60 days past due as of Jul 2006 30 days past due as of Jun 2006 M&T 2005 (past dues but no chance of deletion). In good standing but closed: Partners Trust 2005 Capital one 2000 GMAC 2000 & 2002 Student Loans 2007 *& 2008

[Anonymous]

As someone graciously pointed out, deleting a CA is always good.

But the Chase account still applies. Is the length of the tradeline outweighing the bad? Is it worthy to try for a delete?

My brain feels fried. This is so much info to sort through and keep straight.

[mamahearts]

Way to go!!!

[gymbo731]

If you want a house, it is best to get all negs removed even if it lowers your AAoA. They would rather see that then see that you don't pay your bills!

You might get dinged a little bit, but in the long run it would be worth it. It would have stayed on your credit report for a long time.

[mocha82]

Congrats!  We are all in this together.  Keep up the great work!

[John060675]

Congratulations.  Always working towards the magial 850.

[Anonymous]

Thank you everyone!

I plan to pull my scores after these disputes are processed. All I am looking for is a mid score of at least 640.

All I know prior is that my TU04 score was 617 in June. I have had some positive changes so I should be able to reach it.

[mauve]

I know in mortgage terms, a 120 day late is considered a foreclosure.  I can't imagine it's any better for a CC.  I'd get it deleted regardless of AAoA if possible.  Obviously, try for the lates removed, but I'd get that deleted unless  was waiting til late 2014 to buy. 

However: if you're definitely going the FHA / USDA / etc route, I'd check with their people on it.