topic Floating on Cloud 9 right now in Rebuilding Your Credit

Floating on Cloud 9 right now

NWintellectual — Tue, 18 Mar 2014 01:31:46 GMT

Today has been a Good Day(TM).

I got notified that 5 of my baddies will either be settled, paid or removed:

FP (DOFD 10/2008) - balance $486, settled $275
PF (DOFD 07/2012) - balance $438, PIF $339
Plains Commerce Bank - CO balance $466, DELETED due to 623 dispute
Salute Visa - CO balance $1131, DELETED due to FTC/Jefferson Capital/Compucredit case
Western Control Service - old community college bill for $248, will be recalled and deleted (no questions asked)

Combine this with the other deletions that occured in the last week:

EOS-CCA - 2 old ATT cell phone accounts, sent email to corporate office of CA and they mysteriously disappeared
GC Services - CA for old PGE electric bill from my last apt in California, PIF to OC and it was gone despite fact I was told this could not be done

I can't wait to see what my new FICO will be (I know it was 567 with TU as of 3/15)! I would love to get my membership card to the 600 club, but I'll try not to get ahead of myself.

I just want to say a big, warm, heartfelt thanks to everyone who has helped me get these baddies resolved for better or worse. And to anyone else trying to muddle through this, the tactics and advice here really do work. I got 8 bad items updated in the last two weeks for just the cost of some postage and time to write a few letters. I'm not done yet though, but I now have the confidence and determination to see this process through.

Re: Floating on Cloud 9 right now

pip3man — Tue, 18 Mar 2014 01:40:45 GMT

Definitely know that feeling. Just in a few weeks I was also able to remove an Amex Charge Off, two Capital One lates, multiple inquiries. Now the only baddie remaining is Bank of America which I'm currently putting plans together for my next line of action. Tell us how much points your score increases when it updates. Congrats btw!!

Re: Floating on Cloud 9 right now

traveler2005 — Tue, 18 Mar 2014 08:01:15 GMT

@NWintellectual wrote:
Today has been a Good Day(TM).

I got notified that 5 of my baddies will either be settled, paid or removed:
FP (DOFD 10/2008) - balance $486, settled $275
PF (DOFD 07/2012) - balance $438, PIF $339
Plains Commerce Bank - CO balance $466, DELETED due to 623 dispute
Salute Visa - CO balance $1131, DELETED due to FTC/Jefferson Capital/Compucredit case
Western Control Service - old community college bill for $248, will be recalled and deleted (no questions asked)
Combine this with the other deletions that occured in the last week:
EOS-CCA - 2 old ATT cell phone accounts, sent email to corporate office of CA and they mysteriously disappeared
GC Services - CA for old PGE electric bill from my last apt in California, PIF to OC and it was gone despite fact I was told this could not be done
I can't wait to see what my new FICO will be (I know it was 567 with TU as of 3/15)! I would love to get my membership card to the 600 club, but I'll try not to get ahead of myself.

I just want to say a big, warm, heartfelt thanks to everyone who has helped me get these baddies resolved for better or worse. And to anyone else trying to muddle through this, the tactics and advice here really do work. I got 8 bad items updated in the last two weeks for just the cost of some postage and time to write a few letters. I'm not done yet though, but I now have the confidence and determination to see this process through.

Congratulations on your success! Keep up with Great work! I am sure you will be a member of the 600 club!

Re: Floating on Cloud 9 right now

Season79 — Tue, 18 Mar 2014 13:05:14 GMT

Great news!! keep up the good work

Re: Floating on Cloud 9 right now

alvon123 — Tue, 18 Mar 2014 13:34:32 GMT

Great job!!!