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On a positive note...

On a positive note...

I was successful with 3 PFD (medical bill/ER copay) that my Ex Wife failed to address and because she was on my insurance it was on my CR and an ATT bill that was not mine but reported by  a company called AFNI. The letter templates which I used were based on letters found on this site. Thank you for your stories which offer encouragement to all that read; for the advice from those in the know and to everyone else... for keeping the light at the end of the tunnel burning just a bit brighter for those of us just starting out. Thanks again.

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Moderator Emeritus

Re: On a positive note...

Congrats.  Keep it up!

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.
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