get you victories now when you get a big CLI...they are even better because removal of a baddie didnt improve your life (it helped set the stage but didnt makwe your life better at that point) but getting a CLI from $500 to $2500 is a good rush also! Also, you can play with your score. I left a 20% balance on mine and my score dropped 5 points. I paid it off except for about 4%. Wondering what kind of bump I'll get off the reduction...I'm at 680...I would love to get a 20 bump out of this to put me in the 700 club!
Starting Score: 
@rckstrscott wrote:
@Menecrates wrote:+1
Care to write GW letters to FNCC/Legacy for my lates a few months ago?
LOL
I'll just spend my time on here repsonding to the ones I do have experience with haha
Anyone need anything listed in my siggy? I could probably help with those!
-scott
HSBC CO - only reporting on EX, dropped of TU and EQ. EX just shows sold/transferred $0 balance. TU indicated paid so it dropped this year, not sure when it fell off EQ. The CO is PIF, but since transferred EX says I got 2 more years, I'm in NYS so I get the 5 yr rule. HSBC says they are reporting correctly, tried to get them to make it a paid CO, but they won't budge. PM's welcomed! TIA
You are so funny!! I feel the same.I've done what I can on mine and am jonesing for those little victories... however I am finding thrills each time I pay a adequate chunk on my balances. This week I took my UT from 64% to 49%, got my car refied and $1400 in CLI's, so that's something!
You helped me with one of my baddies, so in turn I'd be glad to let you help me again, haha. One of my best friends gave me her report and said to go for it! She's got LVNV on there about 3 times. Maybe I'll get my ducks together and post or PM you. 
Most of all, congrats to your boredom, it is awesome!!
I can't wait until I am at the point that I miss trying to work on my credit. I am still in the midst of it 
Starting Score: 529
@Rain77 wrote:
@rckstrscott wrote:
@Menecrates wrote:+1
Care to write GW letters to FNCC/Legacy for my lates a few months ago?
LOL
I'll just spend my time on here repsonding to the ones I do have experience with haha
Anyone need anything listed in my siggy? I could probably help with those!
-scott
HSBC CO - only reporting on EX, dropped of TU and EQ. EX just shows sold/transferred $0 balance. TU indicated paid so it dropped this year, not sure when it fell off EQ. The CO is PIF, but since transferred EX says I got 2 more years, I'm in NYS so I get the 5 yr rule. HSBC says they are reporting correctly, tried to get them to make it a paid CO, but they won't budge. PM's welcomed! TIA
What do they mean since it transferred? That makes no difference. 5 years from DoFD for NYS.
I miss the rush too of those little victories. 
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
@guiness56 wrote:
@Rain77 wrote:
@rckstrscott wrote:
@Menecrates wrote:+1
Care to write GW letters to FNCC/Legacy for my lates a few months ago?
LOL
I'll just spend my time on here repsonding to the ones I do have experience with haha
Anyone need anything listed in my siggy? I could probably help with those!
-scott
HSBC CO - only reporting on EX, dropped of TU and EQ. EX just shows sold/transferred $0 balance. TU indicated paid so it dropped this year, not sure when it fell off EQ. The CO is PIF, but since transferred EX says I got 2 more years, I'm in NYS so I get the 5 yr rule. HSBC says they are reporting correctly, tried to get them to make it a paid CO, but they won't budge. PM's welcomed! TIA
What do they mean since it transferred? That makes no difference. 5 years from DoFD for NYS.
EX says since I paid a 3rd party and not the OC, it's 7yrs. I didn't think it mattered, it's a paid CO. HSBC sold the debt to Arrow, then I paid them. On EQ and TU it was listed as a paid CO, transferred/sold, but EX just has transferred/sold. HSBC says since I didn't pay them, they will not list it as paid. I've been trying to get this off for over a year,. I stopped trying since I thought it would be excluded from EX. HSBC sent a letter stating it will be excluded May 2015, and they are reporting correctly.
@Shogun wrote:I miss the rush too of those little victories.
but it is nice when that rush turns into a rush from approvals 