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My day of collection free

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Contributor

My day of collection free

Free of collections
Paid finally my last collection
I posted for advice before reg.
Wakefield Associates thanks to all I dealt with it made lots of calls finally spoke to higher above on March 12 paid
And today
Experian alert. DELETED AND 21 POINT INCREASE
So happy
They our terrible to deal with and harassed me for years
Im so happy
Know I do still have C/O paid settled
Guess who. SYNCHRONY AND Lovely
FIRST PREMIER
I paid these early last year did everything I read from here they will not delete
I'm going to try dispute know with the bureaus and send my deletion letter from portfolio.
Still I'm so happy I NVR thought I get here Took me over yr half to pay off all my bads
Don't give up rebuilders keep fighting paying and cleaning up remember credit is everything today
After having to pay double security in 2017 to get a apt I started rebuilding and realized I have to care about credit
This community the best i learned so much that will continue helping me maintain credit
Message 1 of 3
2 REPLIES 2
Community Leader
Senior Contributor

Re: My day of collection free

Congrats on the success you’ve had. A word of caution though - disputing a valid tradeline isn’t usually a good idea. The debt was yours and you confirmed that by paying it. Trying to dispute it because you don’t want it on your reports isn’t a valid reason for disputing and sometimes it can have repercussions. Its reporting as closed and paid is proper. A paid chargeoff is dealt with by using a goodwill letter campaign. It may work, it may not. It is worth trying. Search the forum for “goodwill saturation” and read that thread. It’ll lay out how to do it.



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5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 2 of 3
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Moderator

Re: My day of collection free

Great work.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 3 of 3
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