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    <title>topic Started rebuilding process today in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/831050#M128457</link>
    <description>&lt;P&gt;I started the credit repair process today and&amp;nbsp; thought i should start a log so here goes. Today I sent out a gw letter for first premier for a paid charge off&amp;nbsp;even though it seems as there are not alot of people who have had success with them, a pfd to suncoast schools fcu, and cmrrr dv letters to continental finance,pinnacle financial group,and online collections.Also if anyone wants to chime in im wondering why my equifax could be so low the accts on there are as follows:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Paid auto loan no missed payments (5800)&lt;/P&gt;&lt;P&gt;Paid as agreed lease (2340 a month for 2,5yrs)&lt;/P&gt;&lt;P&gt;5 credit cards no more than 7%balances (had 3 cards for 2yrs and other 2 for 1yr)&lt;/P&gt;&lt;P&gt;paid student loan no missed payments(the loan was only 6000)&lt;/P&gt;&lt;P&gt;auto loan pays as agreed(just got truck 1 yr ago)&lt;/P&gt;&lt;P&gt;paid charge off for $200 (2 yrs since dola)&lt;/P&gt;&lt;P&gt;collection $634 (dola 12/2006 just started reporting 2/2010)&lt;/P&gt;&lt;P&gt;charge off&amp;nbsp; for original balance of $1443 ( i have paid off $500 since it was charged off.also it reports as open)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Fri, 28 Jan 2011 23:47:08 GMT</pubDate>
    <dc:creator>rohan0784</dc:creator>
    <dc:date>2011-01-28T23:47:08Z</dc:date>
    <item>
      <title>Started rebuilding process today</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/831050#M128457</link>
      <description>&lt;P&gt;I started the credit repair process today and&amp;nbsp; thought i should start a log so here goes. Today I sent out a gw letter for first premier for a paid charge off&amp;nbsp;even though it seems as there are not alot of people who have had success with them, a pfd to suncoast schools fcu, and cmrrr dv letters to continental finance,pinnacle financial group,and online collections.Also if anyone wants to chime in im wondering why my equifax could be so low the accts on there are as follows:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;Paid auto loan no missed payments (5800)&lt;/P&gt;&lt;P&gt;Paid as agreed lease (2340 a month for 2,5yrs)&lt;/P&gt;&lt;P&gt;5 credit cards no more than 7%balances (had 3 cards for 2yrs and other 2 for 1yr)&lt;/P&gt;&lt;P&gt;paid student loan no missed payments(the loan was only 6000)&lt;/P&gt;&lt;P&gt;auto loan pays as agreed(just got truck 1 yr ago)&lt;/P&gt;&lt;P&gt;paid charge off for $200 (2 yrs since dola)&lt;/P&gt;&lt;P&gt;collection $634 (dola 12/2006 just started reporting 2/2010)&lt;/P&gt;&lt;P&gt;charge off&amp;nbsp; for original balance of $1443 ( i have paid off $500 since it was charged off.also it reports as open)&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Fri, 28 Jan 2011 23:47:08 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/831050#M128457</guid>
      <dc:creator>rohan0784</dc:creator>
      <dc:date>2011-01-28T23:47:08Z</dc:date>
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    <item>
      <title>Re: Started rebuilding process today</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/831272#M128476</link>
      <description>&lt;P&gt;Compare both CR's. Start checking &amp;nbsp;for something on your EQ that is not on your TU CR.&lt;/P&gt;&lt;P&gt;Then if both CR's have the very same items on them, start looking at the dates.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;BTW, Welcome to the family .&lt;img id="smileywink" class="emoticon emoticon-smileywink" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-wink.gif" alt="Smiley Wink" title="Smiley Wink" /&gt;&lt;/P&gt;</description>
      <pubDate>Sat, 29 Jan 2011 11:58:03 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/831272#M128476</guid>
      <dc:creator>LIGHTNIN</dc:creator>
      <dc:date>2011-01-29T11:58:03Z</dc:date>
    </item>
    <item>
      <title>Re: Started rebuilding process today</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/832662#M128667</link>
      <description>Thx for the welcome. I checked both reports and the above info is on both reports</description>
      <pubDate>Mon, 31 Jan 2011 16:18:51 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Started-rebuilding-process-today/m-p/832662#M128667</guid>
      <dc:creator>rohan0784</dc:creator>
      <dc:date>2011-01-31T16:18:51Z</dc:date>
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