Hey everyone! Just wanted to share my success so far. I started reading my fico forums in Jan of this year. I have gotten really serious about credit repair and this forum has kept me motivated. My main goal is to purchase a car in the next 6 months and to buy a home in the next few years. To date I have had 6 accounts from Creditors Collections Bureau deleted via PFD. I had 3 paid collections items removed RJM acquisition, Tek Collect, and Contract Callers. I've had two collection items that are past SOL removed, AFNI collection settled ($120/$220) and removed. CMI for Comcast paid then deleted. I have had CitiBank student loan late payments removed 30days late in Sep 2010. 60 days late in Oct 2010 and 120 days late for Nov 2010-Feb of 2011 removed.
I have two more medical collections to go they are not willing to PFD. First National Collection Bureau will not PFD. Creditor Collection Services will pay for delete owe 216 more dollars out of 955. I have FPB co that will be paid 4/12 and expected fall off date is June of 2013. My last baddies are Sallie Mae late payments 90-120 days late Oct 2011-March of 2012. I'm working with an advocate from Sallie Mae and am hopeful that they will be removed as I was deferred when they reported. I also have two 90 day lates from 4/2011 from Dept of Ed SallieMae but I don't think they're gonna budge. I have a co from University of Phoenix from 2008 paid in 2010 have tried gw to no avail. I applied and was approved for. Fingerhut FreshStart Program made my first purchase and am waiting for them to report. I also opened a secured card with Open Sky not ideal but the only one I could be approved for. I'm waiting for them to report as well. Hopefully I'll be on my way to good scores!!! Again thank you to everyone who has posted their steps responded to my post and gave me a stepping ground on this credit repair thing!!
Starting Score: EQ 717 EX 724 TU 736
