topic Re: Think I've done all I can :( in Rebuilding Your Credit

My rebuild thread

Tay09 — Fri, 05 Oct 2012 16:49:44 GMT

I don't think there is anything left for me to do with my remaining baddies except to wait until they eventually fall off

ACS education, in rehab with another company, loan won't return to ACS afterwards - denied several GW removals. Rehab CA is reporting but will delete tradelines after 9 th payment received. Then the new loan company will report.

2 HSBC charge offs $1200 total, last payment in 2011, they are both reporting balances even though they have said both accounts were sold. Only only CA is reporting, I'm waiting on a reply from a PFD I sent. The other CA isn't reporting so I'm making monthly payments to them.

Ikea charge off $273, no CA reporting and no reply from ikea with PFD letter, set to fall off August 2014

walmart charge off, no balance reporting acct sold to CA, waiting for reply on PFD from CA, set to fall off July 2014

waiting on capital one secured card to start reporting limit is $200 will increase limit before the end of the year

jefferson capital CA set to fall off Dec 2012

15 US Dept loan tradelines in good standing reporting as current without any lates.

EQ Fico is 560

only 2 inquires on report, most recent one is Cap One for secured card.

any advice????? I want to buy a house in about 1.5 years.

Re: Think I've done all I can :(

Tay09 — Sun, 23 Sep 2012 13:40:32 GMT

Bump

Re: Think I've done all I can :(

Tay09 — Wed, 26 Sep 2012 14:25:57 GMT

Bump again!

Re: Think I've done all I can :(

bahbahd — Wed, 26 Sep 2012 14:34:26 GMT

Dispute the HSBC cards with the CRAs claiming that they should have zero balances and send copies the letters you got from HSBC in along with the disputes via regular mail. You might have to wait till rehab is completed before you can get anywhere with ACS. I don't know how accepting they are of GW deletions. Once your accounts have been picked up by the new lender & servicer and their accounts are reporting (and the CA accounts are gone) GW ACS again. If that does not work. Dispute any innaccuracies from the CRA side.

Re: Think I've done all I can :(

novabama — Wed, 26 Sep 2012 15:15:08 GMT

what are the names of the CAs you are trying to PFD for those charged off cards?

Re: Think I've done all I can :(

Tay09 — Wed, 26 Sep 2012 15:34:40 GMT

Brightwater Capital for the HSBC sold acct and ParagonWay Inc. for the Walmart account.

I figure I will leave the Jefferson Cap alone since it is set to fall off in December.

My rebuild thread

Tay09 — Fri, 05 Oct 2012 16:39:30 GMT

So I changed the name of this thread. I figure I will use this as my rebuild thread in order to keep track of things. New updates in Green.

After several GW denials I got an ACS rep to agree to remove the "claim filed with government" notation. I figure it is a small victory and I will keep pushing for the lates to be removed or the TL to be deleted all together since they no longer hold the loan.

One HSBC account has now been changed to Cap one on my report, that is the one I am making payments on. I actually didn't send a PFD to the other one, I sent a DV to the CA who half verified the info (right acct number but wrong name) so I resent a copy of their wrong validation and asked for a DV again. I am sure they will verify and once they do I will PFD the CA. .

Ikea charge off $273, no CA reporting and no reply from ikea with PFD letter, set to fall off August 2014

Still no reply and one letter recently got returned to me. I decided to dispute this with all of the CRAs.

walmart charge off, no balance reporting acct sold to CA, waiting for reply on PFD from CA, set to fall off July 2014

I have sent Walmart a GW since they sold the acct and is reporting a zero balance. No reply from CA on the PFD

waiting on capital one secured card to start reporting limit is $200 will increase limit before the end of the year

Received the card still waiting for Cap One to report it

jefferson capital CA set to fall off Dec 2012

15 US Dept loan tradelines in good standing reporting as current without any lates.

EQ Fico is 560

Re: My rebuild thread

Tay09 — Fri, 05 Oct 2012 16:41:41 GMT

jefferson capital CA set to fall off Dec 2012

I decided to dispute this with the CRAs, it has already been deleted from EX, waiting on results from TU

Re: My rebuild thread

Tay09 — Sun, 07 Oct 2012 20:14:21 GMT

Paragon way, the CA for Walmart has been deleted from EX. I forgot that I disputed them on my CR and sent a PFD...lol, not quite sure what I was thinking. Anyway the dispute results came back from EX with a deletion. Will look forward to the results from the other 2.

So that's 4 baddies down. That gives me some hope.

Re: My rebuild thread

Shogun — Sun, 07 Oct 2012 23:23:16 GMT

4 baddies down and that gives you hope? I should say so! That rocks!!!! Keep it going and Good Luck!

Re: My rebuild thread

madmann26 — Mon, 08 Oct 2012 00:27:06 GMT

Keep trunkin'!

Re: My rebuild thread

Tay09 — Thu, 25 Oct 2012 14:56:54 GMT

More updates in blue

Still waiting for the "claim filed with government" notation to be removed.

Haven't heard anything back from the second DV I sent but I received a letter from another CA claiming they own this account as well.

Ikea charge off $273, no CA reporting and no reply from ikea with PFD letter, set to fall off August 2014

Still no reply and one letter recently got returned to me. I decided to dispute this with all of the CRAs.

Awaiting dispute results

walmart charge off, no balance reporting acct sold to CA, waiting for reply on PFD from CA, set to fall off July 2014

I have sent Walmart a GW since they sold the acct and is reporting a zero balance. No reply from CA on the PFD

The CA that was listed mysteriously was deleted from my reports after I sent them a PFD. I send 2 GWs to Walmart each week, no response as yet.

waiting on capital one secured card to start reporting limit is $200 will increase limit before the end of the year

Received the card still waiting for Cap One to report it.

Cap One still isn't reporting on my reports. Cap One why are you taking so long??????

jefferson capital CA set to fall off Dec 2012

I got this removed early..YAY

An authorized user CC account is showing on my reports. It bumped my EX FAKO up 10 points.. YAY

15 US Dept loan tradelines in good standing reporting as current without any lates.

EQ Fico is 560 (Sept 2012) Hopefully this score bumps up close to 600 in November.

TU FICO is 597 (Oct 2012) but I have some items that I know will come off when I get my dispute results, plus I will have 2 new CC reporting. Looking forward to the 600 club when I refresh my score in the middle of November

Re: My rebuild thread

madmann26 — Thu, 25 Oct 2012 14:59:22 GMT

Congrats, progress is progress.

Re: My rebuild thread

beb86 — Thu, 25 Oct 2012 19:33:41 GMT

can you pm me the number you used for AES I tried forever to pay them back but it was sold and sold and sold so im paying it back though the current company that owns the note but it stil has claim filled with government notation.

Thanks

Re: My rebuild thread

Tay09 — Wed, 07 Nov 2012 18:18:41 GMT

So I absolutely have NO patience..lol. Today I got an alert from TU saying my dispute results were ready, two baddies were removed. Even though I just refreshed my TU FICO two days ago I couldn't stop myself from doing it again today. I also decided to run my EQ FICO.

TU FICO 472 (Oct 2011)

TU FICO 597 (Oct 2012)

TU FICO 607 (November 5, 2012)

TU FICO 631 TODAY!!!!

EQ FICO 526 (Oct 2011)

EQ FICO 560 (Sept 2012)

EQ FICO 623 TODAY!!!!

Oh yeah!!

Re: My rebuild thread

Anonymous — Thu, 08 Nov 2012 13:44:36 GMT

Congrats

Re: My rebuild thread

madmann26 — Thu, 08 Nov 2012 18:33:26 GMT

Congrats!

Cap1 takes forever to report, sometimes 2 or more billing cycles.

Re: My rebuild thread

Tay09 — Tue, 04 Dec 2012 21:41:10 GMT

So my rebuilding as slowed down a bit. I am still working on one baddie ( Brightwater Capital), I have given up on HSBC and Walmart, for now anyway. I am just so excited that I passed the 600 mark and I even got an auto loan!!! Hoping for a mortgage by 2015.

Re: My rebuild thread

Tay09 — Wed, 27 Feb 2013 21:45:23 GMT

Just wanted to pop in and say my FICO scores are now 648TU and 645EQ..My hard work is paying off!

Re: My rebuild thread

lm6160 — Sat, 02 Mar 2013 02:16:13 GMT

Congratulations!!! I have just started sending letters. I hope my results are as good as yours.