Valued Member
Posts: 43
Registered: ‎01-06-2011
Re: Take the FICO Fitness Challenge for 2011!

I am currently in a "RAISE MY FICO" state of mind.


I have sent GW letters out as well as DV letters.  And I have a bunch of small CA accts that were 120 days past due, so I sent a few PFD letters. We'll see how it all pans out. I have had some success with 2 items being deleted. I also had defaulted student loans' status changes from 120 days to "Pays As Agreed" which helped by writing GW letters.  I have a vehicle repo that is due to fall off as of Aug 2011, so we'll see if that helps any.


Now don't think its all bad!!! I do have more positives than negatives on my file. Three years of on-time mortgage paymants, 1 vehicle paid/closed without lates, and a few low limit credit cards that I use to pump gas to keep them going.


I think 2011 will be a very good year!!! If anyone has advice or needs some, holla at me!! Smiley Happy



Starting Score: EQ 601 TU 593 12/2010
Current Score: EQ 707 TU 673 EX 677 via PSECU as of 9/3/2011
Goal Score: 730 by 11/2011

Take the FICO Fitness Challenge