100 point change to almost 100 point change in less than 2 months!!

[Anonymous]

****Update: no more baddies on report. All baddies removed from goodwill campaigns. New scores as follows. 

scores as of 2/18/2018

761 EQ

742 TU

728 EX

*******************************************************************************************************************************

 

Just wanted to share my joy! Started my journey on December 21, 2017. I followed the advice on here and today, one of my cra is in the 700s!

December scores and data

588 EQ

555 TU

561 EX

accounts:

Ally (car payment, never late)

Star card 3150 limit, 2889 used 89% uti

Bad:

Pioneer Military Loans (25 lates, had a revolving late even though paying monthly)

walmart CC- Charge-off $583

Amazon  store card- charge-off $1123.12

credit one- charge-off- $1322

collections: 

IC systems $101 medical

midland for both the Walmart and credit one

cavalry portfolio services for the Amazon 

February scores 

702 EQ

661 TU

653 EX

Accounts:

usaa 0% utilization

star card 59% utilization ( will be 0 next month)

capital one- 0% utilitzation

Ally - never late

kohls 0%

wayfair 0%

overstock 0%

nfcu 0%

bad:

paid & closed cavalary portfolio collections ( still gw campaign...fingers crossed)

Removed by gw letters

WALMART- SYNCHRONY BANK

AMAZON- SYNCHRONY BANK

CREDIT ONE

 BOTH MIDLAND COLLECTIONS

PIONEER MILITARY LOANS

***Cant thank you all enough!! Gardening now and home loan goal In 1 year.***

[egghead88]

Wow!! That’s incredible!! I wish you continued sucess. Happy gardening.

[Anonymous]

Congrats!

How did you get Credit One removed? I have an old charge off with them that was sold to Midland and has since been paid. Midland is off my report, but Credit One is still there.

[800goal800]

Would you mind providing the contact info for Synchrony ?

[Anonymous]

Sending pm

[Anonymous]

Just emailed a gw letter for credit one, also mailed several letters.

[adamnh76]

That is amazing.  I also have Credit One and Midland on my report.  Can you please tell me how you did this and forward the GW letter?

Thank you thank you - 

[LJ555]

Inspiring!  I want to be like you!   I've had a big jump ~40 points in a month, so all things are possible!  Congratulations!

[Anonymous]

Hi congrats on your increase!!! Can you please PM the goodwill letter that was sent to Credit one? I'm having a hard time getting them off. Thank you!

[Shadowfactor]

Just wanted to add.

You might have some luck disputing the IC systems account with a HIPPA debt validation letter.

I got mine taken off by getting a sample letter online, adding my info. I mailed it to IC systems CMRRR. Waited 7 days. Disputed it with all 3 credit agencies, uploaded the letter I mailed and a picture of the CMRRR. It was removed about 15 days later.

Good job on the progress though!