started fixing my credit report...updates so far

[umeed110]

I am using another login b/c my previous one is locked out for some strange reason and i am too excited to wait until monday for it to be unlocked...well here goes

All of the below were done via Customer Service on the phone!!!!!

1) Target: Removed 3 30s 3 60s 3 90s 3 120s 2 150s...Brought card current...Balance 0...CLI from 200 to 400 and the card is open now instead of closed :-)   There is some bad news though, there are still 3 30s 3 60s and 3 90s from about 2 years ago that are still on the report...trying to get rid of those

2) Old Navy Removed 3 30s 3 60s 3 90s 3 120s...Brought card current. Card is now open w/ 500 CL...0 balance...I used to have a 300 CL

3) Banana Republic Removed 3 30s 3 60s 3 90s 3 120s...0 balance card is closed :-(

4) Capital One Removed 3 30s 3 60s 3 90s...25 balance now...there are still 3 30s and 3 60s stil on the report have to GW those I guess

5) Macy CLI to 1000

6) Bloomingdales CLI to 1000

7) First Premier, HSBC and Plains Commerce are not playing nice on the phone...I guess I will have to write them....

Well these are the updates so far....

drvbasic

[umeed110]

Oh yea quick question should i get my fico score now or continue to use my fako and then after my report has been cleaned up get my fico

My FAKO are: TU: 542 EX: 542 EQ: 550....my FAKO scores have definitely gone up

[haulingthescoreup]

Holy cow, nice work on Tar-Zhay, Old Navy, Banana Rep, and Cap 1! You have the magic touch.

You might want to give everyone time to report the changes. I don't know if they would do them right away, or if you have to wait for the regular reporting times.

Nice work!

[umeed110]

I just got a call back from a supervisor for Receivables Perfoance Management...I had a collection on all 3 of my accounts that I paid as a settlement and it has been on my report since feb 2007 and i paid in april 2007...they said that they would remove the collection account from my reports....they havent done it yet but they said within 45 days it will be gone...I think everything else I am going to have to start sending out GW...this is about as far as my phone calls are going to get me

[Anonymous]

I am speechless

[umeed110]

I think the reason the phone method worked was because everyone who i spoke to was really nice to me and because i had previously paid the accounts down a little and i told them that this was messing up my financial aid for school, which it was. So I guess they took pity on me? Well whatever it worked so I am happy

Well I am off to write a GW to remove a judgement that I paid in full with interest AGH!!!!

drvbasic

[haulingthescoreup]

You will never, ever know how incredibly rare what you've done is. That many baddies? By PHONE??

[umeed110]

Why is it so rare...isnt it the same thing as a GW? Dont the same customer service people look over the GW request? I hope my GW letters work to the other creditors...I have started paying all my bills ontime too so lets see what happens in a couple of months i will keep you guys posted.

[drvbasic]

so with a 550 what product should i apply for...do you think i might get approved for hooters...and what product should i order from myfico...by the way the 550 is a FAKO score from TC

[haulingthescoreup]

Ah, you're back with your regular screen name! With a report as complicated as yours, I would definitely pull all three FICO's. Even on pretty straightforward credit histories, FAKO's don't match very well, and there's no telling what you really have going on with your scores.

I would use the FICO Credit Complete product, but only after all these GW changes have actually posted to all three of your reports. Since you've got TC, you'll be able to tell. EX is always the last to post anything for me, FWIW. I don't know if these will get updated immediately, or if they'll do it on the regular reporting date(s). Sadly, the HOLIDAY25 discount has expired, but Google FICO coupon and you should be able to find something else.

The reason we're all so impressed at your telephone GW's is that usually calling in just gets you the first tier of CSR's, who have no authority and only know how to say, "I'm sorry, but it's illegal to do that." congrats again!