The final countdown!!

Chief87 · ‎04-10-2020

Hi weveryone,

I really don't post much, but I read and research this board frequently.

As of today I have paid off my last two collections:

Midland ($1003, settled at $620 PFD)

Ad Astra Recovery ($3870, settled at $2252.22 PFD)

I was ecstatic to get a good discount on both for paying in a lump sum and will be anxiously awaiting my hopeful score bumps. At last check

TU: 625

EQ: 606

EX: 665

Thank you to everyone who has been so transparent and open so we can all learn to navigate the rebuilding world. I'm working towards 700 now!

Rebuild Started 7/1/2019: FICO8 TU 445 EQ 472 EX 480
Current Scores 11/3/2019: FICO8 TU 628 EQ 637 EX 661
Goal: 700

hpotterfan77 · ‎04-10-2020

Congrats!! I hope to be there at the beginning of next year, maybe sooner! Please post what your scores do once they fully report!

Starting Scores (9/19): EQ - 474/TU - 528/EX - 502
Current Scores (09/22): EQ - 617- TU - 638/EX - 647
Comenity M/C - $6730.00, BJs Perks MC - $2800.00, Credit One - $1200.00, Credit One - $800.00, NFCU -$6300.00, Care Credit - $5000.00, William Sonoma - $3500.00, Overstock - $4100.00, Pottery Barn - $2000.00>

Anonymous · ‎04-10-2020

Congrats I know its a wonderful feeling.

Mr_Mojo_Risin · ‎04-10-2020

Well done!! I also recently paid my last med CA, should be removed by early May. It's a really great feeling to be improving. Congratulations to you on your improvement and continued success!!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL

Anonymous · ‎04-10-2020

Congratulations!

i have a question on ad Astra because I'm about to take care of my collection with them. you said you settled and they are going to delete? Did they promise you this? How old was your account if you don't mind me asking? I didn't realize that I could settle and still get them to delete the account!!!

Chief87 · ‎04-10-2020

Yes, this account was 4.5 years old, I had to be persistent and had the money up front. I had to call a couple times before I received someone willing to work with me. They delete all satisfied accounts, shoot me a PM and I can send you a rundown of how I negotiated. How old and how much is the account you're looking at?

Rebuild Started 7/1/2019: FICO8 TU 445 EQ 472 EX 480
Current Scores 11/3/2019: FICO8 TU 628 EQ 637 EX 661
Goal: 700

Anonymous · ‎04-10-2020

@Chief87 wrote:
Yes, this account was 4.5 years old, I had to be persistent and had the money up front. I had to call a couple times before I received someone willing to work with me. They delete all satisfied accounts, shoot me a PM and I can send you a rundown of how I negotiated. How old and how much is the account you're looking at?

Can I also PM you?

I also have an older CA with AD Astra and I am looking forward to dealing with them. It would be great if I could do a PFD via settlement!