I started my rebuild as of 1/4/19 with 11 total collection accounts across all 3 bureaus. As of today, I have 0 across all 3 bureaus! Very excited! My collections included the following:
Citibank - $261
Cavalry Portfolio - $454
Jefferson Capital - $151
Midland Funding (x2) - 2232
Nationwide Credit - $94
Portfolio Recovery (x5) - $3875
The scores in my sig are current. They show start and as of last week. Not a huge jump because I have a 120 late on my report from Credit One that they will not GW off my report. It's killing me.
Congratulations I hope I have the same luck.
Starting Score: 494 503 521
Congratulations on your successes!
Keep sending those GW letters, eventually you’ll hopefully find someone who decides to do it for you! 
@simplynoir wrote:
@mmajer4211 wrote:The scores in my sig are current. They show start and as of last week. Not a huge jump because I have a 120 late on my report from Credit One that they will not GW off my report. It's killing me.
That's unfortunate. Still good work on cleaning up the rest of your report for some that's really difficult to do and you did in such a short amount of time at that.
I actually got really lucky that all of the collections on my account were PFD. I had 1 or 2 more that weren't reporting but decided to pay anyway just for a clear conscious. All in all, it cost me around $12k which I believe it was money well spent. Now if I could just get that Credit One removed...
It's weird too because Credit One closed the account that was 120 past due, I sent them a GW after I paid it, they denied it but then offered a reinstatement of the account which I took. I'm hoping after a few months maybe they'll give in.
@simplynoir wrote:
@mmajer4211 wrote:
@simplynoir wrote:
@mmajer4211 wrote:The scores in my sig are current. They show start and as of last week. Not a huge jump because I have a 120 late on my report from Credit One that they will not GW off my report. It's killing me.
That's unfortunate. Still good work on cleaning up the rest of your report for some that's really difficult to do and you did in such a short amount of time at that.
I actually got really lucky that all of the collections on my account were PFD. I had 1 or 2 more that weren't reporting but decided to pay anyway just for a clear conscious. All in all, it cost me around $12k which I believe it was money well spent. Now if I could just get that Credit One removed...
It's weird too because Credit One closed the account that was 120 past due, I sent them a GW after I paid it, they denied it but then offered a reinstatement of the account which I took. I'm hoping after a few months maybe they'll give in.
Yep, just keep asking and hope you get an agent/CSR that will be able to do something for you. Try not to keep the CreditOne card open for too long if that's your reason for doing it. Paying fees for a card like that kills my soul a little lol.
I agree the only reason I took it was that it was a line of credit ($1200) aged a few years without a HP. Thankfully I was just approved for a Capital One Platinum that is unsecured and I opened a Fingerhut account as well. I was prequalified for the Discover It Secured but just haven't pull the trigger yet. I'll probably do so this week since that card will graduate.