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Nice Wake Up Call!!!!!!

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Regular Contributor

Nice Wake Up Call!!!!!!

Woke up today, logged into Experian as usual, and saw 2 new alerts. First alert, a negative payment history has been removed. Second alert, your score has increased by 64 POINTS!!!!! I feel like dancing...😂 🕺 💃. It was a 120 day that was removed from December 2018 from Credit One and they finally budged on it. They are removing a 60 day/FP as well but that won't hit for a couple more days. Those were my last two negative marks on my report. My Experian score jumped to 674 just from the 64 point increase. Do you think I will be over 700 after the next one gets removed?

MASSIVE OVERHALL (11) MONTHS IN




Message 1 of 11
10 REPLIES 10
Regular Contributor

Re: Nice Wake Up Call!!!!!!

I can't speak to the score boost of the next baddie falling off but I wanted to say congrats! It's an amazing feeling to see baddies coming off after so much hard work to get the creditors/CAs to comply with your requests. I can't wait to see a report with all greens on it. Congrats on your successes and I cant wait to hear what kind of score boost you get after that last 60 day come off!







Message 2 of 11
Senior Contributor

Re: Nice Wake Up Call!!!!!!

Congrats and do update, whoo hoo!

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Wayfair $8.5k
Message 3 of 11
Moderator

Re: Nice Wake Up Call!!!!!!

Good work Smiley Happy
"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 4 of 11
Regular Contributor

Re: Nice Wake Up Call!!!!!!

 WOW! Great job

I love that feeling. Thanks for sharing!!

I am not sure about the next one falling off and its potential increase to your score but I hope its another big jump!!!

RE-BUILD 2.0

The good
1 revolver Amazon Sec Store Card $150 current
moneylion loan 368 bal current
carmax auto loan 12700k bal many lates
3 navient student loans 2500 tot bal current

The bad
9 CC CO ~8k
3 installment loan CO ~12400
2 med col ~700
1 CA 578 (CA on reports) have more not reporting.
Message 5 of 11
Regular Contributor

Re: Nice Wake Up Call!!!!!!

Congrats!!! I woke up to a 17 points jump on Experian. Its a great feeling.




Starting FICO-8 as of February, 2019:

Current FICO-8 as of June, 2019:

Message 6 of 11
Regular Contributor

Re: Nice Wake Up Call!!!!!!

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Message 7 of 11
Contributor

Re: Nice Wake Up Call!!!!!!


@mmajer4211 wrote:

Woke up today, logged into Experian as usual, and saw 2 new alerts. First alert, a negative payment history has been removed. Second alert, your score has increased by 64 POINTS!!!!! I feel like dancing...😂 🕺 💃. It was a 120 day that was removed from December 2018 from Credit One and they finally budged on it. They are removing a 60 day/FP as well but that won't hit for a couple more days. Those were my last two negative marks on my report. My Experian score jumped to 674 just from the 64 point increase. Do you think I will be over 700 after the next one gets removed?


Awesome stuff. Did you happen to email and ask them to remove the late payments? I’m in the process of asking if they would be kind enough to remove a charge off from 2014. 

Message 8 of 11
Regular Contributor

Re: Nice Wake Up Call!!!!!!


@Wizard10 wrote:

@mmajer4211 wrote:

Woke up today, logged into Experian as usual, and saw 2 new alerts. First alert, a negative payment history has been removed. Second alert, your score has increased by 64 POINTS!!!!! I feel like dancing...😂 🕺 💃. It was a 120 day that was removed from December 2018 from Credit One and they finally budged on it. They are removing a 60 day/FP as well but that won't hit for a couple more days. Those were my last two negative marks on my report. My Experian score jumped to 674 just from the 64 point increase. Do you think I will be over 700 after the next one gets removed?


Awesome stuff. Did you happen to email and ask them to remove the late payments? I’m in the process of asking if they would be kind enough to remove a charge off from 2014. 


I had 1 charged off account with them on 12/18 and 1 account that was 120 days past due on 12/18. I emailed them several times about the 2 different accounts I had asking for a GW removal. Probably about 10 emails to 3 different people. They denied my request each time. In my last email I told them there had been fraudulent activity on one of my accounts and that email is what did it. They called me immediately to confirm the fraud activity and went over options. For the account that had the fraud activity they completely deleted the tradeline from my report. As for the 120 day marks, they reinstated the account and deleted each late payment mark on it. Thats the one that hit my report today and boosted my score 64 points. I'd imagine the other one will come off sometime this week.

MASSIVE OVERHALL (11) MONTHS IN




Message 9 of 11
Established Contributor

Re: Nice Wake Up Call!!!!!!

I had some 120 day lates fall off recently. I didn't receive a big point increase due to the remaining derog, but it still feels good to have them fall off.

 

Congrats!!!!











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Message 10 of 11
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