3 months ago I had a fico score around 520. Several collections accounts including $4500 to MCM, $4200 NCB, $1200 LVNV, $1450 Portfolio Recovery Associates, and $1350 Jefferson Capital.
I started my rebuild journey trying to PFD settlements. I negotiated Portfolio recovery down to $800 and Jefferson Capital down to $589.
I have several 30 day late payments through Huntington Bank (2 late payments) Capital One (2 late payments) and OneMain Financial (2 late payments. I sent off goodwill letters to all three. Capital one got back to me quickly, no problems at all agreed to alter their reporting. OneMain & Huntingbank both gave me the runaround stating their legal requirements to report accurately.
From what I have accomplished so far my score has jumped to 620. Anyone have success with goodwill letters to Huntington Bank or OneMain Financial?
I'm still trying to negotiate a PFD with midland (account is currently in litigation pre-trial), and I've got NCB down 50% but still working on it. LVNV won't budge on price but they are nearly at the statute of limitations so I'll probably let that one ride.
