Everyone knows someone who knows someone who met a guy that saw a sasquatch. So they gotta be real.

Very true, but hopefully anyone that chimes in will have actual first hand experience.

Thanks for the reply :-)

EQ MyFico: 2/16/2013: 703 TU MyFico: 680 on 2/16/13
Discover IT $4,000 / CU Visa $500 / JC Penny$500

I had numerous lates with Panhandle Plains (ACS).

About 3 120 lates on each account.

Called & had all them removed.

Also, getting ready to hear something from ACS about my current rehabbed account that has lates from 07'.  They said they should all come off but still waiting to hear something.

I find it better to call then write to SL's.  Seems they are a bit better on the phone versus letter.  (Just my opinion.)

I had a perkins loan from the University,  which was paid off in 2008, had 18 late payments on my TU,  did a GW and they deleted it?  Right now I am working with Sallie Mae to make a error correction that was their's and the universities.  We will see.

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Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 660, 661 as of 04/01/13
Current Transunion Score: previous 656, 675 as of 02/01/13
Goal Score: 750
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