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  <channel>
    <title>topic Re: IT'S GONE YAAAYY!! in General Credit Topics</title>
    <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106585#M58182</link>
    <description>Congrats! WTG! Did your scores increase because of it?</description>
    <pubDate>Fri, 30 Nov 2007 18:07:43 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2007-11-30T18:07:43Z</dc:date>
    <item>
      <title>IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106576#M58176</link>
      <description>&lt;DIV&gt;The $58 collection is finally gone!!! I can breathe now!!!!&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 17:58:50 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106576#M58176</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T17:58:50Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106579#M58178</link>
      <description>&lt;DIV&gt;Just curious.... Gone due to time?&amp;nbsp; Or actions taken?&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Either way, congratulations!&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 17:59:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106579#M58178</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T17:59:44Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106580#M58179</link>
      <description>&lt;DIV&gt;WTG,&amp;nbsp; that is fantastic!!!!!&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 18:00:27 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106580#M58179</guid>
      <dc:creator>LuvsRetro</dc:creator>
      <dc:date>2007-11-30T18:00:27Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106585#M58182</link>
      <description>Congrats! WTG! Did your scores increase because of it?</description>
      <pubDate>Fri, 30 Nov 2007 18:07:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106585#M58182</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T18:07:43Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106587#M58183</link>
      <description>&lt;DIV&gt;&lt;/DIV&gt;&lt;DIV align="center"&gt;&lt;FONT color="#ff0000" size="7" face="Comic Sans MS"&gt;&lt;STRONG&gt;WTG!&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Now only if someone would cooperate with me, take my money (payment in full) and delete rather than reject my attempts.&lt;/DIV&gt;&lt;BR /&gt;&lt;BR /&gt;Message Edited by Lady_Scarlet on &lt;SPAN class="date_text"&gt;11-30-2007&lt;/SPAN&gt; &lt;SPAN class="time_text"&gt;01:11 PM&lt;/SPAN&gt;</description>
      <pubDate>Fri, 30 Nov 2007 18:11:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106587#M58183</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T18:11:21Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106593#M58186</link>
      <description>&lt;DIV&gt;Jaybee - How? and how many points?&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Oh - and... Way To Go!&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;img id="smileytongue" class="emoticon emoticon-smileytongue" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-tongue.gif" alt="Smiley Tongue" title="Smiley Tongue" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 18:19:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106593#M58186</guid>
      <dc:creator>My_dog_FICO</dc:creator>
      <dc:date>2007-11-30T18:19:52Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106626#M58189</link>
      <description>&lt;DIV&gt;Congrats!!! I saw your new sig line on another post. (I like it)&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Did you finally find a sensible human at AT&amp;amp;T, or did you have to smack them around some?&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 19:26:28 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106626#M58189</guid>
      <dc:creator>haulingthescoreup</dc:creator>
      <dc:date>2007-11-30T19:26:28Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106638#M58195</link>
      <description>&lt;DIV&gt;&lt;FONT color="#000000" size="4" face="Comic Sans MS"&gt;sweet victory!&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/FONT&gt;&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 19:45:43 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106638#M58195</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T19:45:43Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106650#M58196</link>
      <description>&lt;DIV&gt;&lt;FONT size="4" color="#ff0099"&gt;&lt;STRONG&gt;WTG Jaybee !!! &lt;/STRONG&gt;&lt;/FONT&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I saw your new sig as well&amp;nbsp; and am so happy for you -&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 20:05:45 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106650#M58196</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T20:05:45Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106700#M58212</link>
      <description>&lt;DIV&gt;No it's not gone due to time.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I was finally able to talk to a person willing enough to help me on the spot. I spoke with Laurie (at ATT) about me losing the amount of pts I lost and she asked me how did I know how many pts I lost? I told her about Scorewatch. This is when it all began. She asked me a million and one questions about credit because she was trying to refi her house. I referred her to the site (Laurie, if you are lurking THANK YOU SOOO MUCH) an told her that she would find a ton of info on these forums about credit.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;She was getting ready to pay someone to "fix her credit." I told her to at least look on here before she decided to do so because she would find so much infomation on credit and she could do it on her own.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Laurie put me on hold and called the CA on the spot (with me on 3-way) and requested that they removed the infomation right away.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;She was so thankful that I told her about myfico and truecredit to ck her reports often.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I do not know how many pts I will get because I was afraid that it was too early to ck my scores.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Also, thank you very much to everyone on here that had to read my sig, listen to my rants, and all of the helpful advice you all have given me. I think the main reason Laurie helped me was because of the information I got off of this forum. THANKS EVERYONE.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;So since the&amp;nbsp;collection was removed today, do you think its too early to ck my scores?&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 21:04:00 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106700#M58212</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T21:04:00Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106701#M58213</link>
      <description>&lt;DIV&gt;Lady_S&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I say do not give up. I have been calling, and calling, and calling, and finally I spoke with someone willing to help.&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I know a lot of people say skip the calling and letter write, but I am a little too impateint for that. I say if at first you don't succeed, dust yourself off and try agian.&lt;/DIV&gt;</description>
      <pubDate>Fri, 30 Nov 2007 21:06:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106701#M58213</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-11-30T21:06:05Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106868#M58254</link>
      <description>&lt;DIV&gt;Congrats Jaybee, I know you are stoked.&lt;/DIV&gt;</description>
      <pubDate>Sat, 01 Dec 2007 00:12:50 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106868#M58254</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-12-01T00:12:50Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106892#M58257</link>
      <description>I'm afraid it might be too early to show up, although you never know. Some CA's take them off right away, and some drag it out.&lt;BR /&gt;&lt;BR /&gt;It's for times like this that you have TC!</description>
      <pubDate>Sat, 01 Dec 2007 00:32:42 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106892#M58257</guid>
      <dc:creator>haulingthescoreup</dc:creator>
      <dc:date>2007-12-01T00:32:42Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106932#M58266</link>
      <description>&lt;DIV&gt;hauling&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I ck'd my TC, that's how I know it is gone.&lt;/DIV&gt;</description>
      <pubDate>Sat, 01 Dec 2007 01:44:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106932#M58266</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-12-01T01:44:49Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106962#M58274</link>
      <description>Cool beans! Good for you. Kudos for your tenacity. And how ironic... 58 bucks is killing my score, too! On top of that, it's an error. The urge to fly through the phone line and throttle an entire billing department is quite strong...</description>
      <pubDate>Sat, 01 Dec 2007 03:03:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106962#M58274</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-12-01T03:03:26Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106989#M58289</link>
      <description>&lt;DIV&gt;&lt;FONT color="#3300ff" size="4" face="Comic Sans MS"&gt;Good for you!&lt;/FONT&gt;&lt;/DIV&gt;</description>
      <pubDate>Sat, 01 Dec 2007 03:40:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/106989#M58289</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-12-01T03:40:25Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/107002#M58300</link>
      <description>&lt;DIV&gt;Jax_B&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;Oh my gosh I know how you feel. The collection was not mine either. I say do not stop until you get somebody to help you. Eventually they will get tired of answering your calls.&lt;/DIV&gt;</description>
      <pubDate>Sat, 01 Dec 2007 03:56:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/107002#M58300</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-12-01T03:56:55Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/107023#M58308</link>
      <description>Congrats jaybee!&lt;BR /&gt;&lt;BR /&gt;I was in a similar position with a $137 collection that had been on my report for more than a year killing my scores. I tried repeatedly to get the CA or even the CRAs to remove it, and just this week, it finally disappeared. Now all of my scores are 730 and higher.&lt;BR /&gt;&lt;BR /&gt;Just goes to show that you should never ever give up.</description>
      <pubDate>Sat, 01 Dec 2007 05:13:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/107023#M58308</guid>
      <dc:creator>FantumGrey</dc:creator>
      <dc:date>2007-12-01T05:13:40Z</dc:date>
    </item>
    <item>
      <title>Re: IT'S GONE YAAAYY!!</title>
      <link>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/107033#M58314</link>
      <description>&lt;DIV&gt;Congrats, jaybee!!&lt;img id="smileyvery-happy" class="emoticon emoticon-smileyvery-happy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-very-happy.gif" alt="Smiley Very Happy" title="Smiley Very Happy" /&gt;&lt;/DIV&gt;&lt;DIV&gt;&amp;nbsp;&lt;/DIV&gt;&lt;DIV&gt;I can relate...I finally got a collection from Apollo deleted from TU and EQ reports for $52.&amp;nbsp; Waiting on EX-I already disputed this with them, but I added some new info regarding this collection that should never have been.&amp;nbsp; Keeping my fingers crossed.&amp;nbsp; I just know that it feels good and I know this is how you must be feeling.&amp;nbsp; I wish you continued success!&lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/DIV&gt;</description>
      <pubDate>Sat, 01 Dec 2007 06:01:34 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/General-Credit-Topics/IT-S-GONE-YAAAYY/m-p/107033#M58314</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2007-12-01T06:01:34Z</dc:date>
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