Regular Contributor
xwill04
Posts: 162
Registered: ‎11-13-2012
Re: Starting out my credit rebuilding project Need advice

UPDATE!!!!!

 

Sent DV to EOS YESTERDAY to contacts that have been floating around this board, and woke up to some great news! Received email that all 3 accounts were being deleted from CRA!!!!!!!! I was so excited I didnt even hit the snooze button 3 times like normal LOL!!!

 

THANK YOU nfrederick for the contacts

 

& THANK YOU rckstrscott even though I didnt receive the contacts from you seems like youre the initial person that gave these contacts out!!

 

Cheers!!

 

 

 

Collection accounts:

 

 

 

ENHANCED RECOVERY - TransUnion (DV Letter sent  11/14/2012)

 

Balance- $1,454

 

Date Opened- 4/12

 

 

 

EOS CCA - Experian, Equifax, TransUnion (DV Email sent 11/15/2012 to direct contact received via this forum) 

 

Balances- $678, $1,518, $378

 

Date Opened- 8/1/2012

Receieved email on 11/16/2012 stating they were pulling ALL 3 accounts they had on my report!!! Im so excited thanks to these boards!!!

 

 

 

PACIFIC CREDIT EXCHANGE - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

 

Balance- $9,016 (Repo Purchase)

 

Date Opened- 2/1/2012

 

 

 

MIDLAND FUNDING - Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

 

Balances- $461, $2,002

 

Date Opened- 12/1/2012, 11/1/2011

 

 

 

PINNACLE CREDIT SERVICES- Experian, Equifax, TransUnion (DV Letter sent  11/14/2012)

 

Balance- $1,405

 

Date Opened- 12/1/2009

 

 

 

ALLGATE FINANCIAL LLC - Experian (DV Letter sent  11/14/2012)

 

Balance- $475

 

Date Opened- 5/1/2009

 

 

 

RASH CURTIS & ASSOCIATES - Experian, TransUnion (DV Letter sent  11/14/2012)

 

Balance- $318

 

Date Opened- 6/1/2008

 

 

 

Charge Offs:

 

 

 

FIRST PREMIER BANK (623 Letter sent  11/14/2012)

 

Balances- $469, $518

 

Date Opened- 8/1/2009, 1/1/2009

 

 

 

A - L FINANCIAL CORP (Auto Loan) - Experian (623 Letter sent  11/14/2012)

 

Balances- $9,016

 

Date Opened- 2/1/2009

 

 

 

DSNB MACYS (623 Letter sent  11/14/2012)

 

Balance- $319

 

Date Opened-1/1/2007

 

 

 

CAP ONE

 

Balance- $0

 

Date Opened-10/1/2006

 

 

 

Current Accounts:

 

 

 

CAPITAL BANK (Open Sky Secured CC)

 

Balance- $282/300 (Never Late) WIll pay down $250 by next week to help util before statement cuts on 12/3

 

Date Opened-8/1/2012

 

 

 

First Tech Federal Credit Union (Secured Personal Loan)

 

Balance- $1000 

 

Date Opened- 3 days ago (11/12/2012)
Payments: $29/mo over 36 months

 

Interest Rate: 3.1% (Only $49 interest over 3 years if i end up making minimum payments)

 

 

 

Applied Bank Secured Credit Card

 

Balance- $0/$200 

 

Date Opened- 3 days ago (11/12/2012)

 

 

 

Credit Scores (FAKO)

 

Experian- 513

 

Equifax- 517

 

TransUnion- 541

 

 



Starting Score: Exp:513 | TU:541 | EQ:517 - 11/13/2012
Current Score: Exp:623 | TU FICO:639 | EQ FICO:743 - 01/24/2012
Wallet: Applied Bank $200, OpenSkyCC $300, 1st Tech CU Secured $2k, Discover IT $1.5k, CITI AA $2.8k, USAA AMEX $7.5k
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