I'm hoping the fako sites can at least help point out activity. I'd rather avoid paying for extra credit reports and score watch type subscriptions. Worst case scenario, Commonwealth won't work with me and I'll take the PIF and goodwill the crap out of them, best case, they delete the accounts because they screwed up. Of course, PFD is somewhere in the middle and likely what will end up happening. I just want it off of my reports. I'm hoping the fako sites will at least show some type of change. I'm hopeful that an e-mail will hold up if further action is required. I knew I did not want to call, and I knew I did not want to disclose my phone number. I don't believe they have ever called the house before and that would be the only number I would have on any file.
I think I'll try to stick with these two CCs for a while. I don't want to push my luck, especially with the baddies reporting so recently. I'm hoping having a student loan doesn't hurt me too much. It was in forbearance for a while back in 2009-ish while we were transitioning from my husband working for an employer to self-employed and adding baby #3 to the family, but has since been paid on time monthly. I figured forbearance was better than lates, but I have no idea how that looks to a potential creditor.
I did find a local credit union tonight. I don't know if I'm eligible to join. You have to either live or work in a specific county. My husband works in one of those counties at this point in time, but not all of the time, and our zip code is actually that county, because our local post office was shut down. I'm going to call on Monday to see if they'd bend the rules a bit to let us join. Completely free checking, free business checking, (our bank doesn't offer either one unless you're willing to keep $$$$$ in the account at all times) and it's about the same distance as the bank we're currently using.
Feeling good today!