https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462915#M469998 <P>I wish i knew how it happened. I disputed it due to showing as a open collection when is was paid. They changes it to paid but showed a balance of $417 so i disputed again and they deleted the account. I just received the letter in the mail the other day. &nbsp;Im hoping that and paying off my credit from 85% utilization down to 10% will give me a decent boost on my score</P> Fri, 19 Feb 2016 00:01:22 GMT Anonymous 2016-02-19T00:01:22Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462848#M469993 <P>I am new here and just started to rebuild my credit. I wrote goodwill letter to my student loans for a 120 day late that happened when the laon came out of deferment at the end of 2014. They accepted it and removed the late payments. I also got equifax to remove a midland funding collection account throught a dispute. I also just paid off my credit cards as of this month. i went from 85% utilization to 10%. My scores as of now are Ex 589 Eq 590 TU 601. I will update when all of this hits my credit reports and show the results.</P> Thu, 18 Feb 2016 23:12:53 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462848#M469993 Anonymous 2016-02-18T23:12:53Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462869#M469997 <P>Congrats on the midland deletion, they're a bear.&nbsp;<img id="smileylol" class="emoticon emoticon-smileylol" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-lol.gif" alt="Smiley LOL" title="Smiley LOL" /></P> Thu, 18 Feb 2016 23:30:18 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462869#M469997 Anonymous 2016-02-18T23:30:18Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462915#M469998 <P>I wish i knew how it happened. I disputed it due to showing as a open collection when is was paid. They changes it to paid but showed a balance of $417 so i disputed again and they deleted the account. I just received the letter in the mail the other day. &nbsp;Im hoping that and paying off my credit from 85% utilization down to 10% will give me a decent boost on my score</P> Fri, 19 Feb 2016 00:01:22 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4462915#M469998 Anonymous 2016-02-19T00:01:22Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4465847#M470451 <P>Do you&nbsp;know if fed loan servicing is pretty reasonable about deleting late payments? I just pulled my credit report and it&nbsp;shows 2 late payments on my student loans from a couple years ago. I&nbsp;didn't even&nbsp;know about it so it was a surprise. At the time I was in the middle of consolidating&nbsp; all my loans when this particular loan must have come due. I sent in a&nbsp;goodwill letter last week.</P> Sun, 21 Feb 2016 03:14:58 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4465847#M470451 Anonymous 2016-02-21T03:14:58Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4466476#M470539 <P>Mine is a fed loan not private. I sent them one goodwill letter and they replied within a week that it would be removed. It cant hurt to give it a try</P> Sun, 21 Feb 2016 20:38:29 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/New-here-and-thought-i-would-share-some-success/m-p/4466476#M470539 Anonymous 2016-02-21T20:38:29Z