cancel
Showing results for 
Search instead for 
Did you mean: 

My First Victory

tag
fixmycred14
Established Contributor

My First Victory

My GW letter paid off. My auto loan finance company removed every single late from 2009-present!!!! Score Alert just notified me of the score increase. I want to give a special thank you to @ guiness56, Shogun, RobertEG, llecs, myjourney, pizzadude, goosedog, Shellie, DaveSignal and last but not least djc1puno! You guys are the best and continue to sustain and inspire me. Thanks for all of the advice! I am truly in awe of the forum.

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 1 of 11
10 REPLIES 10
guiness56
Epic Contributor

Re: My First Victory

Message 2 of 11
myjourney
Super Contributor

Re: My First Victory


@fixmycred14 wrote:
@Anonymous GW letter paid off. My auto loan finance company removed every single late from 2009-present!!!! Score Alert just notified me of the score increase. I want to give a special thank you to @ guiness56, Shogun, RobertEG, llecs, myjourney, pizzadude, goosedog, Shellie, DaveSignal and last but not least djc1puno! You guys are the best and continue to sustain and inspire me. Thanks for all of the advice! I am truly in awe of the forum.

Bravo ...WTG.....Congrats 
HAPPY DANCE TIME 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 11
Irisa
Senior Contributor

Re: My First Victory

Yay! Congrats!! Smiley Very Happy

Message 4 of 11
chevyman
Contributor

Re: My First Victory

Who was the company and how many lates
Message 5 of 11
Shogun
Moderator Emeritus

Re: My First Victory

Now that's awesome!

Starting Score: 504
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.
Message 6 of 11
denver133
Frequent Contributor

Re: My First Victory

Nice!  My auto company continues to send me the same letter each month.  Congrats on getting those removed!!!!!  


My Cards: CSP: $5,000 // Hyatt: $5,000 // Cap1 Venture: $5,000 // US Bank Plat: $3,500 // Discover: $1,000 // AMEX BCE: $1,000 // Lowes: $5,500 // Furniture Row: $3,500 // Buckle Store Card: $750

Current MyFico Scores: EX 687 EQ 696 TU 687 Gardening from 5/15 till 5/16

Message 7 of 11
fixmycred14
Established Contributor

Re: My First Victory

Thanks! @ denver133 What's the letter say? They can't delete? I waited until I made my last car payment to request deletion. Have you paid off your car?

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 8 of 11
fixmycred14
Established Contributor

Re: My First Victory

@ chevyman -- too many to count! LOL I would have to pull out my CR to add em up from 09-13. Its really bad. I had a really bad pattern of lates.

Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 9 of 11
denver133
Frequent Contributor

Re: My First Victory

I still owe $20K on my car.  LOL I send them a new letter each month telling them I understand it is not usual practice to delete, yet they have done it for many of their other customers.  Its just a part of the uphill battle and more letters will continue to go out.  In fact, I always get a letter back saying "my letter has been received and a response will follow shortly".  But since my last letter on the 6th of this month, I haven't gotten that yet.  Hopefully this means lates are being removed.  Or they have decided to stop responding.  


My Cards: CSP: $5,000 // Hyatt: $5,000 // Cap1 Venture: $5,000 // US Bank Plat: $3,500 // Discover: $1,000 // AMEX BCE: $1,000 // Lowes: $5,500 // Furniture Row: $3,500 // Buckle Store Card: $750

Current MyFico Scores: EX 687 EQ 696 TU 687 Gardening from 5/15 till 5/16

Message 10 of 11
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.