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    <title>topic Re: + 21 in Rebuilding Your Credit</title>
    <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763048#M225296</link>
    <description>&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;Thank&lt;FONT size="2"&gt; You all for the Congrats I couldn't have done&lt;FONT size="2"&gt; it wi&lt;FONT size="2"&gt;thout your help &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;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
    <pubDate>Sat, 22 Dec 2012 13:58:01 GMT</pubDate>
    <dc:creator>hoping2rebuild</dc:creator>
    <dc:date>2012-12-22T13:58:01Z</dc:date>
    <item>
      <title>+ 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759744#M224925</link>
      <description>&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;Had been battling First Premier about them still lising &lt;FONT size="2"&gt;120+ late on an account that was sold in 2009&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;took the matter to the BBB and FPB fixed it so it is sho&lt;FONT size="2"&gt;wi&lt;FONT size="2"&gt;ng my last late of 90 days in 2009 account transferred/sold&lt;/FONT&gt;&lt;/FONT&gt;&lt;BR /&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;got 21 points for getting that fixed&lt;FONT size="2"&gt;.&lt;/FONT&gt;&lt;BR /&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;Finally &lt;FONT size="2"&gt;have&lt;FONT size="2"&gt; an EQ over 600 &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;/FONT&gt;&lt;BR /&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Thu, 20 Dec 2012 11:47:13 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759744#M224925</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2012-12-20T11:47:13Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759746#M224926</link>
      <description>Well done!</description>
      <pubDate>Thu, 20 Dec 2012 11:50:38 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759746#M224926</guid>
      <dc:creator>Cageym</dc:creator>
      <dc:date>2012-12-20T11:50:38Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759806#M224931</link>
      <description>&lt;P&gt;Congrats!&lt;/P&gt;</description>
      <pubDate>Thu, 20 Dec 2012 13:03:40 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759806#M224931</guid>
      <dc:creator>maluba</dc:creator>
      <dc:date>2012-12-20T13:03:40Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759864#M224941</link>
      <description>&lt;P&gt;Good job hoping!&lt;/P&gt;</description>
      <pubDate>Thu, 20 Dec 2012 13:35:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1759864#M224941</guid>
      <dc:creator>Shogun</dc:creator>
      <dc:date>2012-12-20T13:35:55Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760002#M224970</link>
      <description>&lt;P&gt;Woot, great work!&lt;/P&gt;</description>
      <pubDate>Thu, 20 Dec 2012 15:28:15 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760002#M224970</guid>
      <dc:creator>electra</dc:creator>
      <dc:date>2012-12-20T15:28:15Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760022#M224972</link>
      <description>&lt;P&gt;Congrats!!&lt;/P&gt;</description>
      <pubDate>Thu, 20 Dec 2012 15:36:44 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760022#M224972</guid>
      <dc:creator>awdsmama</dc:creator>
      <dc:date>2012-12-20T15:36:44Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760046#M224974</link>
      <description>&lt;P&gt;Nicely done! Congrats!!!&lt;/P&gt;</description>
      <pubDate>Thu, 20 Dec 2012 16:05:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760046#M224974</guid>
      <dc:creator>NewbieReed</dc:creator>
      <dc:date>2012-12-20T16:05:18Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760894#M225085</link>
      <description>That's great, Congrats!</description>
      <pubDate>Fri, 21 Dec 2012 00:31:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1760894#M225085</guid>
      <dc:creator>Epcot</dc:creator>
      <dc:date>2012-12-21T00:31:32Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1761094#M225107</link>
      <description>&lt;P&gt;impressive!!! Nice work&lt;/P&gt;</description>
      <pubDate>Fri, 21 Dec 2012 02:33:49 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1761094#M225107</guid>
      <dc:creator>beb86</dc:creator>
      <dc:date>2012-12-21T02:33:49Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1761296#M225126</link>
      <description>&lt;P&gt;I have tons of lates I like to get deleted from them, do you mind PMing me on what kind of report and wording you use?&amp;nbsp;&lt;/P&gt;&lt;P&gt;thanks.&lt;/P&gt;</description>
      <pubDate>Fri, 21 Dec 2012 05:21:07 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1761296#M225126</guid>
      <dc:creator>Mama-j</dc:creator>
      <dc:date>2012-12-21T05:21:07Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763048#M225296</link>
      <description>&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;Thank&lt;FONT size="2"&gt; You all for the Congrats I couldn't have done&lt;FONT size="2"&gt; it wi&lt;FONT size="2"&gt;thout your help &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;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Sat, 22 Dec 2012 13:58:01 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763048#M225296</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2012-12-22T13:58:01Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763050#M225297</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/646934"&gt;@Mama-j&lt;/a&gt; wrote:&lt;BR /&gt;&lt;P&gt;I have tons of lates I like to get deleted from them, do you mind PMing me on what kind of report and wording you use?&amp;nbsp;&lt;/P&gt;&lt;P&gt;thanks.&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;I am not sure I can help o&lt;FONT size="2"&gt;r not, I was only able to get mine removed as there was no balance due so therefore &lt;FONT size="2"&gt;the a&lt;FONT size="2"&gt;ccount&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;couldn't be late.&amp;nbsp; If &lt;FONT size="2"&gt;they are listing la&lt;FONT size="2"&gt;tes from when the account was open I don't think they will budge &lt;FONT size="2"&gt;FPB is tricky and very stubborn&lt;FONT size="2"&gt;.&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT size="2" color="#000080"&gt;&lt;STRONG&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;&lt;FONT size="2"&gt;Does FPB still own the account? is there a balance? &lt;/FONT&gt;&lt;BR /&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/STRONG&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Sat, 22 Dec 2012 14:04:26 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763050#M225297</guid>
      <dc:creator>hoping2rebuild</dc:creator>
      <dc:date>2012-12-22T14:04:26Z</dc:date>
    </item>
    <item>
      <title>Re: + 21</title>
      <link>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763052#M225298</link>
      <description>&lt;P&gt;Congratulations they are not easy to get to change anything! Nice jump!&lt;/P&gt;</description>
      <pubDate>Sat, 22 Dec 2012 14:04:56 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/21/m-p/1763052#M225298</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2012-12-22T14:04:56Z</dc:date>
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