topic Re: whadda ya think? in General Credit Topics

whadda ya think?

Anonymous — Wed, 24 Oct 2007 00:24:49 GMT

I have a small dilemma I would like some input on. I have worked VERY hard to improve my credit and unfortuantely only had a jump of 21 points on my credit score even though I had 13 baddies removed. I have 2 negatives on my CR right now that I am trying to get them removed so that I can at least have a 650 score (I am only at TU 606, EQ 585, EX 610). 1-is Sprint for $303.00 from 09-06, and 2- is capital one for $789.00 from 9/2001. My plan is a PFD on the sprint account if they are willing. I'm waiting until after Christmas shopping to proceed with this idea so I can afford it if they accept :-)

Capital one account I am stuck.......while it is old..it isn't old enough to have removed yet. Do you all think I should PFD or dispute? If dispute, what could be my reason? I can't deny the account is mine and I owe it. Suggestions??

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 00:27:14 GMT

Leather armor for the capital one. I hear they are hard to get to work with you. On the other, try a PFD.

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 02:29:48 GMT

Capital one would not budge with a GW. I never recieve any response to them....but I send two per month anyway

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 02:35:35 GMT

goingnowhere wrote:
I have a small dilemma I would like some input on. I have worked VERY hard to improve my credit and unfortuantely only had a jump of 21 points on my credit score even though I had 13 baddies removed. I have 2 negatives on my CR right now that I am trying to get them removed so that I can at least have a 650 score (I am only at TU 606, EQ 585, EX 610). 1-is Sprint for $303.00 from 09-06, and 2- is capital one for $789.00 from 9/2001. My plan is a PFD on the sprint account if they are willing. I'm waiting until after Christmas shopping to proceed with this idea so I can afford it if they accept :-)
Capital one account I am stuck.......while it is old..it isn't old enough to have removed yet. Do you all think I should PFD or dispute? If dispute, what could be my reason? I can't deny the account is mine and I owe it. Suggestions??

What is your SOL....don't even breath on CAP1 if not past SOL. They sue at the drop of a dime!!!

you can try PFD with sprint but it is kinda new so they might only think about it if PFD is PIF.

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 11:17:39 GMT

My SOL is 7.5 years...which should be about 3/08. I guess I willhave to wait until it falls off....it really isnt that long to wait I guess.

What is PIF? I can't seem to find any reference to what that means.

Re: whadda ya think?

haulingthescoreup — Wed, 24 Oct 2007 11:20:56 GMT

PIF = paid in full

Here's the abbrev link, from the top of the Understanding FICO scoring board:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=1325

I'm on Firefox, so you'll have to copy/ paste it into your browser window.

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 14:28:55 GMT

3/08 is just 4 months away! Let that bad boy just fall off your report! Don't wake a sleeping giant! I have a pif baddie from crap1 that is falling off in january! woo-hoo!!!

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 15:36:58 GMT

sorry- it falls off on 3-09...miscalculated......

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 15:42:56 GMT

I've heard that the older baddies don't count as much in the scoring as the new ones. If it were me I'd just let it fall off. I have an old account from Providian that I settled for less than the balance owed before I knew about PFDs. It's going to fall off late next year - I'm just letting it fall.

I'd try a PFD with Sprint.

Re: whadda ya think?

Anonymous — Wed, 24 Oct 2007 16:12:11 GMT

Thanks! I'll follow that advice!