Hello MyFico Family- as you reading please rest assured that while 629 is still along ways to go, I never would have imagined I could have done this without all the help. The crazy thing is I thought I knew everything about Credit Scoring so I guess I'm a reincarnated newbie!
What I have done to date is listen to the bosses on the site (tuscani, etc.,) and try and pinpont each and every detail of every account. My recommendations are to keep those utilizations low and never be late. GW letters are really hit or miss and PFD's have not been my best weapon but 100% persistence pays off, whether its credit or life and its just a part of who I am.
Another process is truly simple, email I have been humle to the CEO's Prez's and VP's and have had some success that route as well.
With that being said my friends, I'm about to load my weapon and get back to business.
I have 2 more Derogs besides the 2001 Discharged BK 7.
- AFNI collection account via Dish network (its mine, I contacted Dish the will accept payment, shall I send and then GW, not willing to PFD) or shall I send and then dispute AFNI- looking for advice...
-Verizon Wirless Balance $648 showing Charge Off (willing to settle at $257) and show paid in full (will not delete) currently reporting every month as late on EQ and CO on Experian no pay status in TU again looking for advice...
I thank each and every one of you and wish you all the best of luck.
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Transunion 652 | 3/27/09-677 | 5/20-09 -683
Equifax 4/21/08 -609 | 5/4/08-632 | 12/26-08- 651 | 5/5/09 - 652
Experian 4/16/08- 613 | 11/08 - 646 | 3/27/09-673
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