I've been working on my credit for 3 months. When I first started my credit score was 415. Today I signed up with CCT and my highest score was 625 TU and lowest 595(EQ). In the beginning; I removed all old names and addresses, disputed everything, brought student loans current (this was huge), added BoA secured card, and was added as AU on an account. I had two accounts in collections that were removed from TU and EX, but remained on EQ.
Back in March, I settled on two charged off accounts (Cap1 and Amex). I disputed these after I settled them, but they came back verified. I tried calling Cap1 and I sent an email to the EO. Neither worked. I called AMEX and asked them for a GW deletion and they wouldn't do it. The second time I spoke with AMEX, they told me that they see that I called and asked before and it's still nothing they can do.
Email I sent to EO;
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My irresponsibility and a string of unforeseen circumstances have put my family and I in a bad situation. Long story short, I stopped paying my Capital one bill and a few others, because I was in a car accident that put me out of work and I had no emergency fund saved. We are now in a situation where our lease is about to end and we can't get approved for an apartment and can’t renew without a credit check. We will end up homeless if not approved. I'm sending this to ask for a Goodwill deletion of this account. If the answer is no, are there any other options I have? Is it possible to have account reinstated? I hope you are having a great day and you will take this request into consideration. Thanks for taking the time to read this.
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Can someone point me in the right direction on my GW campaign? What addresses should I be mailing the GW letters to? How often should I send them? I'm thinking about paying a credit repair service to do this, but I am willing to try it myself first. Dude is very expensive ($3500).
Also
Can I break 700 by the end of the year?
I was just added as an au on a Cap1 card with $0 balance and decent limit (AAOA should go up to 5 years from 4). I was just approved for a Discover secured card with a $2500 limit and a NFCU cashRewards with $1000 limit. I've been keeping my util at 9%. Will it help if i bring my util down to maybe 2% (2% on one card and zero on the rest)?
I also have an additional CO that I'm debating on paying. I totaled my car and gap insurance paid all but $777. Should I just let it age off or call and do a PFD?
