Need encouragement

[Anonymous]

I don’t really have a question. I’ve been reading this forum for weeks till my eyes are crossed lol. I just need a little encouragement and some good vibes I guess. Of course, my overall goal is to improve all my scores but ATM I’m focusing pretty heavily on my FICO 9. I’m hoping to get a auto refi from NFCU soon.
In the last month, I have:
-PIF 2 CO’s which were still with the OC. (No go with PFD but have sent GW)
-PIF one collection with LVNV that I’m hoping will disappear.
-Sent PFD for other collection. It’s still in SOL so I’m probably going to have to PIF with no PFD which I’m prepared to do but thought I’d give it a shot.
- LVNV was for Credit One which is still showing as a CO with 0 balance. I’ve sent a GW request. Waiting for response.
- Added 2 credit cards with low limits. These are my only open cards. Waiting for update to show UTI about 1%.
-Student loans are in rehab.
My next CR pull is December 26th. (Last was Sept)Hoping some of these things will “hit” and I’ll see a nice jump in FICO 9.

[DoctorManhattan]

I’m rooting for you ! Have you checked out DCU

[Anonymous]

Thanks! Also forgot to mention the 2 CO’s I PIF would not do PFD but I’ve since sent GW. I’m new to NFCU but may need to check out DCU at some point. Thanks!

[thornback]

Best I can tell you is you're absolutely on the right track!!   

Don't take no for an answer on your Goodwills.  Original creditors can be difficult but don't stop -- look up the Goodwill Saturation technique for tips -- it can work, you just have to be persistent.   FICO 9 generally weighs charge-offs - even paid - more heavily than FICO 8, so keep that in mind; your FICO 9s may increase after payment, but you'll likely still be penalized for the derogatory more than you are by FICO 8 -- I had about a 20 point difference when my paid charge-off was sill present, once removed, my FICO 9s shot way up.  Strive for complete removal. 

Lots of folks have had luck with CreditOne Goodwills -- so, fingers crossed!! 

Hang in there, and try to be patient -- your hard work (and money well paid) will pay off. 

[Anonymous]

Thanks so much! I’m at a point where I feel like all I can do is wait and.....patience is not my virtue! Appreciate the advice and encouraging words!

[FireMedic1]

Nice! Once you see everything start to climb back up the credit score ladder. You'll have more incentive to get where you want to be. And get the job done and feel victorious in the end. Good Luck, keep kickin butt, and Happy Holidays!

[OmarGB9]

When did you pay off LVNV? There have been reports of them self deleting after a couple of months (happened for me).

[Anonymous]

Yes Omar, I saw your post. I only pd them last week so I’m just in the waiting game. Fingers crossed!

[OmarGB9]

Hope they delete for you too! Took around 45 days for me.