A little update, seeing improvement in my scores. Finally got out of the 500 range across the board.
Last FICO update I made here: 566 (EQ), 602 (TU), 591(EX)
Current: 607 (EQ), 615 (TU), 620 (EX)
Will come back and update in 2-3 months. I’m so relieved to not see 5xx anymore in any of my fico scores.
Nice! Congratulations .
Did you ever receive a final decision from First Premier?
So I need help with something.
I called comenity bank/eddie bauer about my paid charged off account with them and they told me they don’t have that account anymore and gave me Midland Funding’s number. So I called Midland to ask them when can they take off my paid collection off my credit reports, they said my account is eligible at 2 years, which would be after May 1st 2019. I asked to clarify if my collection account would be removed off mt reports after May 1st, she said yes that’s correct the tradeline will be removed after May since it’s paid, it will take 45-60 days to reflect on the credit reports.
So here is my question, since Comenity/Eddie B don’t own my account anymore, how can I get them to also remove it from my reports after Midland Funding drops off?
Only way is to get a goodwill deletion but if they sold it and took a large loss they may not be in the mood to grant such a request. GWs are more likely the older an account gets from the time of CO.
I got a question.
If TU and EX are reporting my Comenity/Eddie Bauer credit limit inaccurately, and I have proof that the credit limit is off by about 50%, according to multiple statements that I managed to retrieve through my email due to having paperless statements that show otherwise , is that grounds to dispute the account? This has always been reported wrongfully like this but I never paid any mind to it, but while reading this forum I have been learning to watch out for inaccuracies in my reports.
TU and EX are showing $350 credit limit, with a balance of $580 at the time of CO. My e-statements show that my CL is $650.
The account is currently gone from EQ btw, after disputing it, but idk if it will come back.
Any help would be appreciated.
Edit: Btw, I called Comenity/Eddie Bauer and they told me they no longer have that account and to call Midland Credit.