05-22-2013 06:38 AM
05-22-2013 07:46 AM
Congrats on the forward progress! YMMV on the score change. There are too many variables here. The amount of the CA doesn't matter. But if it were your newest CA then you'd possibly see some gains. It also depends on your other baddies and how those report, whether or not they update, etc. Likewise, your score improvement will vary with improved util. It depends on the before util, whether or not CCs were over the limit, mix of credit, whether or not util was listed as a negative FICO scoring reason, and whether or not those two COs are unpaid CCs and updating.
05-22-2013 01:20 PM
nope, cc's weren't maxed out. both cap 1 cards have been kept under 10% for the past month, with the NFCU card getting all of the usage. last month, reported $495. this month, will report between $200-300. yes, the recent deletion was the most recent collection. since my student loans have defaulted, two of the original TLs report "claim with the govt" and the two duplicates are the collection TLs. They get updated monthly, as i'm rehabbing them.
05-24-2013 03:00 AM
05-24-2013 01:52 PM
seems like you're definitely in the same boat as i am with student loans & collections. Did you tried writing GW letters to schools & loan agencies? I just finished doing it, now just the waiting game i guess. I'll also keep you posted if any good things happen from the GW letters. And yea, let me know if you app for the AMEX PRG!
05-24-2013 04:09 PM
I'm currently in month 5 of rehabbing. I've read some threads on here that there is no point to try to GW while rehabbing. My DW set up the loan repayment from the states, as I'm currently deployed. We did get in writing that the TL would be removed once the rehab was complete(AES is the OC as well as the CA), and my Dept of ED loan will go back to the school(again, have it in writing) it originated with. I will consider GW when that time comes. I'll prolly take the advice from folks on here and app in November/December for the PRG.