So just a quick update:
- another collection just added to my report today for $155 the agency is DRS (Debt Recovery Solutions) so I sent them a PFD letter today and hopefully they agree to it.
- I sent TXU Energy a PFD letter just waiting on a reply from them
- I paid my last collection with Portfolio Recovery so just waiting for them to delete it
- Paid my verizon collection through Jefferson Capital so waiting on them to delete also and glad that verizon removed their charged off account
- Will be paying my AD Astra collection first thing next year where i will settle it and hopefully it has been 2 years so that they will delete also Then I will have no more collections left after unless they come after the fact like DRS.
- I got back in with Capital one so I now have my 2nd card and waiting until discover will let me back in so that I can get my third card.
- I was pre-approved with capital one so that I can get me a car and the highest apr was 11% but I'm not going to use it because I'm trying to focus on my leftover negatives but i will by October 2021 get me a new car. I was surprised i got an pre-approval since i have a open repossesion on my credit report that the owner doesn't want to pay and it falls off February 2025.
- I've been sending goodwill letters to all charged off accounts waiting to get a yes but if not it falls off late 2024.
So the only things i have left to pay is TXU Energy, Ad Astra, DRS, and as far as the repossesion there is nothing i can do but wait for it to fall off my report. Also have to try and get the lates removed from my federal student loans if possible because that is the only lates on my open accounts. So i have 1 90 and 120 day lates spread across 5 different loans. Link to my rebuild https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/My-Rebuild-SimpleGirl/m-p/5508731
Starting Score: 494 503 521
Grats to all your work and keep it up!
@Anonymous I'm not concerned with it I just have a whole bunch of stamps and wanted to try and ask FedLoan for an goodwill adjustment so I can add my experience to the forum. Since I can get approved for a car and I'm not making any other big purchases it can stay for the remaining 5 years.
@Anonymous wrote:
@simplegirl wrote:@Anonymous I'm not concerned with it I just have a whole bunch of stamps and wanted to try and ask FedLoan for an goodwill adjustment so I can add my experience to the forum. Since I can get approved for a car and I'm not making any other big purchases it can stay for the remaining 5 years.
I am just giving you fair warning that there is almost no circumstance where Fed backed loans grant GW requests when they are still being repaid and to keep your expectations realistic. It is always worth a shot, of course, if you have the stamps to burn. If they weren't bound legally to the higher education act regarding reporting, your odds would go up some.
Yeah i know there is no guarantee and I'm not concerned with getting turned down. I didn't start goodwilling thinking everyone would say yes or even reply. I just do as maybe it will work and maybe it won't but at least I tried. My main focus is getting my collections removed completely and trying to get the charge offs removed. The student loans are not a priority expect to get them paid off completely.
Just got an update that a portfolio was removed from Transunion and I gained 6 pts. Awesome! I also think that Jefferson capital updated to zero so waiting on them to be removed. DRS is only reporting on Experian as of now and I'm not sure if it will stay that way but I hope it does.
Edit: It was Jefferson capital that was removed and portfolio is still on my report for some odd reason with a zero balance so the point gain was from Jefferson.
Equifax does not like me. Not only is it my lowest score which was 554 but i lost 4 points because my capital one card finally reported. Still waiting for portfolio to delete and Jefferson to delete off the other two credit reports. Still need to pay ad Astra and sent my PFD letter for DRS to the right address with the wrong company name so I guess i will see how the response to that goes if there is one.
Okay so as of today I have paid DRS in full and it will be deleted thankfully and I paid Ad Astra for a settlement offer so yay on that. But ad Astra will not be deleted or requested to be until September of this year unfortunately. Good thing is all my collections are paid so just waiting on deletion and then I can finally see how it affects my scores. Also I got approved for care credit which I needed to get my wisdom teeth removed so now have 3 revolvers. I will still keep trying to pre-qualify for the discover card and hopefully my citi card will finally graduate in August after 2 years of having it....
Jefferson capital is still reporting on Experian with a balance which is really testing my patience. Usually Equifax is my problem one but even they removed it already. The funny thing is Experian is actually my higher score and the other 2 only have 2 collections left on them but I've noticed Equifax is much more picky with calculating a score making it my lowest.