Regular Contributor
Posts: 118
Registered: ‎07-22-2012
Re: I seem to have hit a wall...advice perhaps?
[ Edited ]

Thanks for the advice.

 

I've done all that.

 

Did PFDs for most of my collections, so they're gone. Only 2 unpaid that remain are a VZW collection, which I plan to PIF and my federal student loan.

 

I have one paid collection left with Midland, and they refuse to remove it. I have consulted legal counsel and am preparing to sue them for other violations.

 

I have paid state student loans that went to collections, then I paid them. They won't budge with a GW either. Tried that several times.

 

Lastly I have an auto lease from TD Auto Finance showing 8 months of 30 day lates and a GW letter from them saying they have corrected the mistake. They asked for 60 days to update. That was about a month ago.

 

Other than that, I have 2-3 other auto loans that are 3+ years old, with a couple of 30 day lates each.

 

I know about GWs, PFDs - as this site and it's community are a wonderful resource. I've been doing this awhile.

February 2012: 480 across the board (before I found this site and started working on my scores)
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Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)