@Anonymous wrote:
@simplegirl wrote:Soooo some good news for me....I paid off the two smaller student loans and only have 3 left to pay but I'm going to pay 2 off and only the minimum on the last one so I can have an open installment loan and so the 10 years starts later on when everything else gets more age to it. Also DRS removed themselves from Experian and I gained 14 points! So everything is looking up now. I hope the same happens for my other reports. I will be collection free in March 2022 thanks to NCA adding themselves back but I'm glad i gained those points with 2 collections still reporting and a nice and dirty file.
Congratulations on your improvements and making such progress. It sure is work, isn't it? But so empowering over time. 🙏🏻☘️☘️☘️
That it is and I am happy with the little progress but still wayyyy toooo impatient for rebuilding.
Starting Score: 494 503 521
Sooo Equifax just likes to trail behind apparently..
I still have 2 collections. 1 that deletes in August and the other in March of 2022. Also an unpaid repo reporting wrong that falls off 2025 & TXU energy unpaid because they won't delete. No major purchases so I will just send goodwills to paid debts and see if they will delete. If they don't I will just ride it out until 2024 which is when they all fall off except the repo & lates on the student loans.
I like how my student loans always report same time every month but as soon as I actually pay off 2 of them & pay on 2 more they don't report anything for the month....Now I'm going to leave them be until i have to start paying them again.