topic Re: 598!!!! in Rebuilding Your Credit

598!!!!

Anonymous — Mon, 26 Oct 2009 23:11:04 GMT

It may not seem too big, but I've had 5 changes (4 increases, 1 decrease - new account added) since 7/24/2009! It has raised from 555; 43 points!!!

I got Bank of America to GW a 30 and 2 60 day late, paid off a credit card that was over the limit by $100.

I don't know what caused this current 25 point increase. Scorewatch says "You’ve recently missed a payment or the date of your most recent missed payment is unknown". (4 separate times) I still have 4 baddie accounts, none missed for roughly a year.

GEMB Paypal: $12 missed 30 and 60 day late, April and May of 2008 respective - Closed, No Balance

FIA: 2 30s, 60, 2 90s days late, August, November, December 2007 January and February 2008 respectively - Closed, No Balance

Cap One - 30 and 60, December 2008 January 2009 respectively - Open, $0 balance

Cap One - 30, 60, 90, 120 - October, November, December 2007, January 2008 respectively - Closed no balance

NO CO's, collections for public records on my report.

GW'd Cap One with the 120 day late account, got a letter today verifying it accurate. Going to try again. Sent out GEMB and FIA same day as Cap1, haven't heard back yet.

I have 6 accounts open

Cap. One - 0/300

HSBC - 535/750 - Paying down to $0 next week.

Best Buy - 1200/1500 - TV riding interest free for 3 years

Kay - 701/5000 - Interest Free for 1 year - Plan on paying it off before Dec. 1

Auto Loan - Never missed

Mortgage - Never missed

Re: 598!!!!

divaesque130 — Mon, 26 Oct 2009 23:56:32 GMT

Keep up the good work

Re: 598!!!!

Anonymous — Tue, 27 Oct 2009 00:29:20 GMT

Just pulled my CR and the 25 point increase was due to paying down the card. Just goes to show that low util. DOES work!

Re: 598!!!!

MsKiwi — Tue, 27 Oct 2009 16:54:21 GMT

Just keep on doing what you are doing, it's a great feeling to see your score increase! Good luck.

Re: 598!!!!

Anonymous — Tue, 27 Oct 2009 22:14:17 GMT

Congrats!!! I 'do' know its a huge deal, since I was there a couple years ago and remember when I encroached on 600 I was SOOO excited! Keep it up!

Re: 598!!!!

Anonymous — Tue, 27 Oct 2009 23:34:33 GMT

how did you do that with BOA? I have the same late marks and the response was "it would be considered fraud" If you could offer any helpful hints, it would be much appricated. Those are my last major marks I need to fix, Im sitting on a 598 as well, and could use this bump. Thank u!

Re: 598!!!!

Anonymous — Wed, 28 Oct 2009 02:05:21 GMT

I sent an a letter to the address of the CEO the time, Ken Lewis. I got a call from an executive customer server representative, who was actually really nice. He told me that he will have to check with someone and he will call me back. I told him at the current moment I am looking to transfer some IRAs. He called me the next day and said he will delete the late payments and change the closure to "At request of the consumer". At the time, I had a mortgage checking and saving accounts with them. I will PM you the address I sent the letter to.