XxRaVeNxX wrote:You are paying people for something that you could have done....I don't even know what 'validation demand mode' is....
+1 Never head of that. But I think it's better to do it yourself vs. have someone else to do it. First off it educates you more on your finances, you learn where you messed up and won't do it again.
You can learn and do everything here for yourself. I'm not putting down LL, just stating that you have more rights doing it for yourself than they do doing it for you.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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They don't have to. Leave off any personal information and post them here. We will help you do whatever needs done. 
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
My negatives are as follows:
| Wfnnb/Vs | 8/2008 | $21 | Bad debt/collection |  | Details | |
 Hsbc/Bstby | 6/2008 | $0 | 120+ days past due | | Details | |
| The Buckle | 8/2008 | $0 | Bad debt/collection | | Details | |
 Us Bank | 3/2008 | $663 | Bad debt/collection |
The Wfnnb/vs and the Buckle are paid. US bank didn't respond to the validation request. HSBC, meh, don't even know what to do with that one. I also have two collections from Enhanced Credit Recovery and Credit Protection Assocation, both under $100.
what are those dates for? Day opened? DOFD? Have you pulled your reports from annualcreditreport.com? They give more information.
You should send GWs to these if paid. See what they say.
The US Bank. Is it paid? If not have you tried a PFD?
The 2 that are under $100, have you paid them already?
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
flashflamingo wrote:Date opened. I can try GWs to the WFNNB and Buckle cards. My plan is to save the money I would have used on LL to attempt to PFD US Bank in a few months. I'm planning on paying Credit Protection Association with my next paycheck. When LL challenged Enhanced Credit Recovery on Experian and TransUnion they fell off, so I am wondering if the same could hold true with Equifax.
It could fall off with EQ. And saving that money to PFD US Bank is a great idea!
Starting Score: 504Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
