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Frequent Contributor
Posts: 305
Registered: ‎08-24-2012
0

did this turn positive-ish? should i try to GW?

so I disputed a target card....It doesn't report under "negative accts" now on my equifax complete account, it reports on my "installment accounts" should I try to GW it?

 

 it used to look like this...

TARGET NATIONAL BANK

C/O TARGET CREDIT SERVICES
PO BOX 673
MINNEAPOLIS, MN-55440-0673
 

Account Number:37533XXXX Status:CHARGE-OFF 
Account Owner:Individual Account. High Credit: 
Type of Account RevolvingCredit Limit:$200  
Term Duration: Terms Frequency:Monthly (due every month) 
Date Opened:11/26/2006  Balance:$0  
Date Reported:10/26/2011 Amount Past Due: 
Date of Last Payment:02/2007 Actual Payment Amount: 
Scheduled Payment Amount: Date of Last Activity:N/A
Date Major Delinquency First Reported:10/2007 Months Reviewed:24 
Creditor Classification: Activity Designator:N/A 
Charge Off Amount: Deferred Payment Start Date: 
Balloon Payment Amount: Balloon Payment Date: 
Date Closed: Type of Loan:Credit Card 
Date of First Delinquency:04/2007 
Comments:Consumer disputes - reinvestigation in progress  

81-Month Payment History

 

YearJanFebMarAprMayJunJulAugSepOctNovDec
2011COCOCO******   
2010COCOCOCOCOCOCOCOCOCOCOCO
2009COCOCOCOCOCOCOCOCOCOCOCO
2008*********COCOCO
2007************
2006          *

 

 

 

 

they updated it to look like this:

 

Account Number:37533XXXX Status:PAYS AS AGREED 
Account Owner:Individual Account. High Credit:$687  
Type of Account :RevolvingCredit Limit:$200  
Term Duration: Terms Frequency:Monthly (due every month) 
Date Opened:11/03/2006  Balance:$0  
Date Reported:09/03/2012 Amount Past Due: 
Date of Last Payment:02/2007 Actual Payment Amount:$147  
Scheduled Payment Amount:$0  Date of Last Activity:04/2007 
Date Major Delinquency First Reported: Months Reviewed:24 
Creditor Classification: Activity Designator:Paid and Closed 
Charge Off Amount: Deferred Payment Start Date: 
Balloon Payment Amount: Balloon Payment Date: 
Date Closed:10/2007 Type of Loan:Credit Card 
Date of First Delinquency:N/A
Comments:Account paid for less than full balance  

Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Moderator
Posts: 13,892
Registered: ‎04-15-2011
0

Re: did this turn positive-ish? should i try to GW?

Looks pretty positive, except for that little comment.  But other than that, it's improved!

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!
Frequent Contributor
Posts: 305
Registered: ‎08-24-2012
0

Re: did this turn positive-ish? should i try to GW?

Ok cool. thanks for always reassuring me! I am thinking I will just leave it alone lol. I didn't actually pay it so I definitely don't want to ruffle any feathers!! my FAKO eq score did go up some after that I think so looks like I got lucky Smiley Happy whew!


Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
Moderator
Posts: 13,892
Registered: ‎04-15-2011
0

Re: did this turn positive-ish? should i try to GW?

You're quite welcome.   I made a vow to only use my powers for good.  HAHA!!!

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!
Highlighted
Regular Contributor
Posts: 116
Registered: ‎09-02-2012
0

Re: did this turn positive-ish? should i try to GW?

Nova, you are knocking them down!!  Your siggy is unbelievable.

Frequent Contributor
Posts: 305
Registered: ‎08-24-2012
0

Re: did this turn positive-ish? should i try to GW?

Thank you! I have spent countless hours on this board and writing emails and sending letters lol. I seriously can't believe what's all happened so far some days! I started with like.... almost 30 baddies from 2006-2008. Smiley Embarassed But I am doing my hardest now that I'm a (mostly haha) responsible adult and would like to buy a house for my daughter and myself next year Smiley Happy 5 out of 7 collections are medical that I should never have had to pay so I am doing my best to get that fixed too. It's worth the effort though!

 

And shogun you never fail to crack me up Smiley Very Happy


Goal Score: 640 Good things come to those who wait.
Good things come to those who work their butt off and never give up.

Removals - Asset Acceptance, Receivable Solutions, LVNV Funding, Enhanced Recovery, Credit Systems Int, Discover Financial, Amchek/Amsher, Financial Adj Services, Chase, Target, AFNI, RJM, Portfolio Rec!
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