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I checked my Experian report after paying for the first month $4.99 and it updated today to 649! My goal scores across the boards is 650, so I am quite close on one report which I'm ecstatic about. It is still reporting some debt on one of my credit cards, I've paid the Credit One down to $0 and my Merrick card to $0. My Capital One QS is reporting under 9% as advised.
I am hoping my 580 TU and 585 EQ follow suit into the 650 area even though the simulator said I'd reach 620-633, so I am very happy and have my fingers crossed.
I am hoping it's not an error, I went from all maxed out cards basically, like 90% UTI to 9% on just one card and got approved for a JCrew card at $250 limit.
I'm really hoping it's not a glitch.
FURTHERMORE:
Checking my Experian report I saw the following:
ALLTRAN EDUCATION INC FK
Midland Funding:
On record until
Yeah I have seen your posts
That is rather unfortunate, I feel you're definitely correct. I don't get why it says on the report until then. So SOL in IL is 5 years, so that is how long they have to sue me?
That was exciting while it lasted, hey still up 70 points since the start of rebuild. I will take what I can get.
Yeah its on the Experian report that I received for free, the one you get annually.
Ok so I got out of bed so I can understand fully what's going on. I'm reading now my Equifax report and here are my collections and DoFD, I was looking at date open account -_-.
Portfolio Recovery
$1058 DOFD Oct 01, 2012
Midland
$797 DOFD Nov 01, 2011
Those are the collections on my Equifax, I will update other 2 collections by looking at the other report. Please advice, pay or wait. Thank you.