Re: OMG!!!!!! BoA Love....GW Success

jeffgucci · ‎01-17-2011

I have followed what you guys said about GW letters. I researched contacts @ BoA. I found a bunch of emails for people in card services, and emailed them. Its been about 3 weeks and no response. I came to grips that I would just pay it. It was not sold to a CA yet but they did forward it to a CA. So I was reading how to get around that. I took some advice and went into the branch were I got the card, I did have the amount to pay it off in my hand. The rep took the card called some other office, she was on the line about 15 minutes and she turned to me said these words...It appears a Sr VP, intervened on your account as of 2/15/2011. The balance was zero, and the entire TL was in the process of being deleted from all my reports. I'm not lying when I say a tear came to my eye . It felt so good. I thanked GOD! He definitely heard my prayers. I can't wait to see what this does to my score....700 I'm coming!

Starting Score: 594 11/2010
Current Score: 5/14/2012 lender pulled (RELS) EX 692 TU 698 EQ 694
Goal Score: 850

Take the FICO Fitness Challenge

Walt_K · ‎11-02-2009

So they deleted a tradeline for you where you still owed a balance? Am I understanding that correctly? Congratulations. I have had no luck in getting to them to remove some late payments where I paid them back in full.

Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13), TU 98 728 (01/06/12), TU 04 728 (lender pull) (01/12/12), EX 742 (lender pull) (01/12/12)
Goal Score: 720

Take the FICO Fitness Challenge

jeffgucci · ‎01-17-2011

Yep she said it should report on the next cycle as it was just initiated on 2/15. I'm telling you...ever seen a grown man cry...lol...I have read the forums about having no luck with them....and about drafting GW....cant believe it worked, but I grateful it did.

Starting Score: 594 11/2010
Current Score: 5/14/2012 lender pulled (RELS) EX 692 TU 698 EQ 694
Goal Score: 850

Take the FICO Fitness Challenge

creditscore720 · ‎02-21-2011

Congrats!! Could you PM me the email addresses that you worked for you thanks and again Congrats!!

dxd8216 · ‎02-21-2011

I need help with my credit scores. I do not know where to start? 525 547 575 I really want to purchase a home I have credit reports and I am registered with creditreport.com... Please help me.. my personal email is [Edited to remove personal information]

HI dxd8216,

Please don't post personal information in the public forums for your own safety and security. You're welcome to exchange such information via PM's (Private Messages). Thanks for finding and contributing to our online family.

-Marinevietvet, myFICO moderator

MBOhio2 · ‎02-07-2011

Please PM me with the BoA contact!

Mid-2010 Starting Scores: FAKO EQ 476 FAKO EX 506 FICO TU98 575
Jan 2012 Current Scores: FICO EQ 604 FICO EX ??? TU98 623
Feb 2012 Goal Scores: EQ 620 EX 620 TR 620 (or just the middle to be 620!!)

WindBlazer3 · ‎02-22-2011

Wow - Please PM me with that contact information as well! My gf has a 90 day late from 18 months ago that's the last negative she needs to have removed from her CR, but she's had no luck thus far even though the account has been PIF every month for 15+ mos.

Congrats!

TayciBear · ‎02-12-2011

If you don't mind pming me too. I have one 30 day late charge on a card thats been closed for 3 years.

Starting Score: 526 (EQ)
Current Score: 658 (4-4-11, TU), 631 (4-4-11, EQ)690 (3-17-12, EQ) Husbands 696 (4-2-11, EQ) 682 (3-17-12, EQ), 661 (4-4-11, TU)
Goal Score: 670 for now

Take the FICO Fitness Challenge

soccrstar · ‎02-01-2009

same here! PM email address please!

Equifax: 461 FICO. Experian: ??? FICO. Transunion: 481 FICO (NO more FICOs til FAKOs reach 600)
Equifax: 510 FAKO / Experian: 495 FAKO / Transunion: 530 FAKO
Credit Karma: feb 09 - 510 / apr 09 - 518

Positive Tradelines:
Inofin (auto loan) $7200 ($4806 Balance) [1 year to go before its free & clear]
JC Penny..............$124 / orchard.................$300 (not reporting yet)
Fingerhut..............$450 / crown Jewelers.....$500 (not reporting yet)
goal by 2010: FICO score of 500 or high on all 3 bureaus.
by 2011: FICO score of 550 or higher on all 3 bureaus
by 2012: FICO score of 600 or higher on all 3 bureaus

laurasiew · ‎02-14-2011

Please, please, please PM me the email info. I have a very similar situation!

Thx

Starting: TU 616 (VS) EQ 598 (FICO) EX 619 (FAKO)
Current: TU 628 (FICO) EQ 649 (FICO) EX 664 (FAKO)
Look out 700 Club, here I come!!!