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Woooohoooo!
A few months ago I noticed that my scores would change overnight when pulled on the last day of the month to the first day of the following month. I do that religiously now. I'd look at your report and look on pages 2 or 3. I bet a TL reached a new birthday or something like that. If I recall correctly (away from the office), in June, my oldest TL increased on TU from 8 yrs and 5 months to 8 yrs and 6 months. This was my only change from one report to the next and my TU FICO increased 40-50 points.
@llecs wrote:Woooohoooo!
A few months ago I noticed that my scores would change overnight when pulled on the last day of the month to the first day of the following month. I do that religiously now. I'd look at your report and look on pages 2 or 3. I bet a TL reached a new birthday or something like that. If I recall correctly (away from the office), in June, my oldest TL increased on TU from 8 yrs and 5 months to 8 yrs and 6 months. This was my only change from one report to the next and my TU FICO increased 40-50 points.
Oh...it was a WFNNB baddie. 30 days x 2 & a 60. I sent them a GW online...got a ph message to call. She said the acct wasn't in their system....came home...disputed...dropped off all 3!!! EQ gave me 15 pts...TU gace me 29!!
3elizabeth...oh, let me tell ya, a couple years ago I was sitting where you are. It does take time & persistence, but all the advice here works!!! Believe me!
You WILL get there! I promise ya! Have you read the sticky at the top..."what steps do I take?" If not...do so!
Those med collections you have....have you read up on the HIPAA process to get the collections deleted when paid?? (I'm pretty sure thst's how it works) If not...let me know.
Thanks! Oh, yeah, I have read 2782 posts (no kidding--I'm an addict). I know that my main problem is the one t one medical and the 75% UTL (still owe $487 and will do HIPPA on that one soon). I'm in the middle of the HIPPA process on my other ones and my daughter's CR's.
I know we both have to work on UTL, but after that, I'm hoping for some better days. I think that the best part of this whole thing is knowing that we are not alone. I'm alone in so many ways and felt like everyone I know was doing so well with life in general and had great credit and I was stuck with bad credit and a life that basically sucks.
Anyway, I'm going to get going on GW's too. I read tonight that someone had success with Wells Fargo Auto Finance, so I'm encouraged.
Thanks for taking time to answer and helping so many people. Great idea, these forums!