So here's the deal. I have been successful at getting all the baddies removed from my credit except for three accounts. They are:
- Capitol One: Paid Charge off account from 03. GW last week sent Certified mail. Received confirmation that they got it yesterday. I asked them to delete the account. I think I put up a pretty good case. Told them that I needed this gone to get a student loan to continue my education. I even stated their philanthropy mission which focuses on helping families with education.
- Capitol One: Paid Charge off account from 03. Same letter included this account too.GW last week sent Certified mail. Received confirmation that they got it yesterday. I asked them to delete the account. I think I put up a pretty good case. Told them that I needed this gone to get a student loan to continue my education. I even stated their philanthropy mission which focuses on helping families with education.
- American General: Paid and closed. Reporting two 60 day lates. GW the president a month ago and never got a response from them. Around the same time I had disputed with CRA and came back verified.
The only other problem I have is high UTI. Right now I am at about 74%.
Right now, my Fakos are at TU 617, EX 641, EQ 601
My questions are what do you think my chances are for Cap 1 deletes?
What do you think my scores will do if Cap1 deletes them?
What are my chances for getting a private student loan with them gone. I applied in April and was denied because of the charge offs. I don't know how it works. If that was the only thing I was denied for or just the first thing that hit the system to deny me.
