My Credit Rebuilding Update

[Anonymous]

So, I started on my journey to rebuilding my credit history back on May 10th, 2015, and I after reading so many of your posts and advice and suggestions, I am happy to share that my scores are now in the low to mid 600's ... a huge leap from where I was a month ago [low 500's]. Here's an update of my progress. Thank you all for your awesome suggestions and expert advice.

Capital One GW - Denied
Navient GW - Denied
Chase Auto Finance Repo GW - SUCCESS! TL Deleted
Midland Credit Mgmt - DV - SUCCESS! TL Deleted 
Stellar Recovery - DV - SUCCESS! TL Deleted 
Accelerated Financial Services DV - SUCCESS! TL Deleted 
Ability Recovery Solutions DV - SUCCESS! TL Deleted 
BCC Financial Management PFD - SUCCESS! TL Deleted 
Doctors Business Bureau Collection Co - PFD - SUCCESS! TL Deleted 
Enhanced Recovery Services - PFD - No Response
Lamont Hanley & Associates - PFD - No Response 

I still have more work to do to get the a few more items cleaned up, so I'll report back soon!!! STAY TUNED!!!!

[Anonymous]

7 out of 9 and possibly 9 out of 11 ain't bad at all.  I would keep sending GW to Cap One and Navient.  Maybe try to talk to someone at Cap One EO and give them the sob story.  What positive TLs do you have?

[Anonymous]

Wow!!! Good work!! 

[Anonymous]

Could you please send me the contact info for accelerated financial?

If you don't mind me asking, what were they like to deal with?

[Anonymous]

Holy crap, thats amazing! Keep on going! Dont quit with capital one.

[Anonymous]

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@Anonymous wrote:

7 out of 9 and possibly 9 out of 11 ain't bad at all.  I would keep sending GW to Cap One and Navient.  Maybe try to talk to someone at Cap One EO and give them the sob story.  What positive TLs do you have?

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My positives include a Sallie Mae student loan ($6500), personal loan ($1500), First Premier MC ($400), Auto Loan ($14000)...all paid one time. Navient lists a single 30-day derog from 2011. Cap One Secured Visa ($300) lists a 30-day and a 60-day from 2013. Since then, all payments have been on time.

[Anonymous]

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@Anonymous wrote:

Wow!!! Good work!! 

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Thanks!!!

[Anonymous]

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@Anonymous wrote:
Holy crap, thats amazing! Keep on going! Dont quit with capital one.

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Thanks!!!   I'm going to reach out to Cap One's EO to see what can be done!!!

[Anonymous]

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@Anonymous wrote:
Could you please send me the contact info for accelerated financial?

If you don't mind me asking, what were they like to deal with?

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I ended up sending two DV's to AFS. The first one went to a PO Box listed on the CR. The letter was returned as undelivered since, I'm guessing, the PO Box was no longer valid. So I googled the current address for AFS, and sent a new letter to that address. A week later, I got a canned response advising that the TL would be deleted. Three days later, I got a CreditKarma alert saying that the TL was deleted. Lo and behold, it was gone. Never talked to a single soul on the phone.

[Anonymous]

Would you mind posting what your DV letter was?

Congrats on all the progress!