So I thought I would update where I am and also give myself a clear view of what I am dealing with.
Scores have all increased over 100 points over the past 7 months.
Current Scores:EX 612 EQ 577 TU 590
Positives: 
US Bank Secured - $500 limit/$0 balance
NelNet Student Loans - Current
Sallie Mae - Current now/Was 180 days
Chase Auto - Current now/Was 60 days
AAoA - 4 years
Baddies: 
OneMain Financial - Unpaid balance of $4,791. Sent PFD 8/6/13
Cap1 Card #1 - Unpaid Balance of $1,471. Sent PFD 8/6/13
City of San Diego - Collection - $130. Sent DV CMRRR 8/16/13 since I have not received any response from PFDs
Chase Auto - 4 30 lates and 1 60 day late. Sent 4 different GW letters to different locations 8/6/13
Sallie Mae - Was 180 days late but now current. Sent GW again after being denied twice already. 8/6/13
Amazon Card - $0 balance - Sending GW to get removed. 8/6/13 last sent
Cap1/Best Buy - $0 balance - Sending GW to get removed. 8/6/13 last sent
Cap1 CC #2 - $0 balance - Sending GW to get removed. 8/6/13 last sent. 8/17 received a "We sold your account" letter. Resent new GW on 8/19/13.
Cap1 CC #3 - $0 balance - Sending GW to get removed. 8/6/13 last sent
Cap1 CC #4 - $0 balance - Sending GW to get removed. 8/6/13 last sent
Shell/Citi - $0 balance - Sending GW to get removed. 8/6/13 last sent
First Premier - Shows a 60 day late 12/2006. Just waiting till Dec. to have that drop off. Pulled my EX and saw this updated to Positive on 8/19/13. +1 point!
Any suggestions one what I can do from here to help improve? Another secured card? Increase the CLI on my current secured card?
So I tried a shopping cart trick with West Elm (Comedity Bank or whatever). No go. They ended up doing a HP AND I got a decline. I need more to get bumped off. UGH!
Congrats on the score increase!
Sorry about the West Elm denial. Keep working hard - it will pay off!
I think increasing your cl for your secured card is a good idea - go for it!
You're doing pretty darn good. Just keep it going. I will be following your progress!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
Congratulations, the scoring is moving up, good work.
I didn't try West Elm, but tried Express & JCrew via Shopping cart trick, both got approved few days ago. Both were soft pull (I guess), asked only last 4 digits of SSN.
Thank you to all. I paid off a $3,500 Cap1 (was HSBC Best Buy) card at the end of July. Still waiting on that to report. Should give me a bump as EX and EQ are reporting it as part of my revolving amount. With that said, my UTI is out of control. Can't wait for that bump!
I am curious about something.
My Shell/Citi card is reporting as follows: As you can see, it says NO in the Negative factor. With the history still showing the CO, does that hurt my score even though the Red flag is now gone?
| Shell/Citi | 2/2011 | $0 | Account legally paid in full for less than the full balance | No |
However this is what the history is showing:
Credit CardShell/Citi
Status as ofDate opened [?]Date of last activity [?]Loan type [?]Credit limit [?]Terms [?]Account Type [?]Account holder [?]Industry
| Jan, 2013 |
| Feb, 2011 |
| Jan, 2013 |
| Credit Card, Terms REV |
| $200 |
| Revolving |
| Revolving |
| Individual |
| Bank Credit Cards |
No contact information provided by Experian
Balance [?] Current Status [?]
Seven year payment history [?]30 days late60 days late90+ days late
Recent payment history [?]2 3 4 5 6 7 8 9 10 11 12 1 2 3 4 5 6 7 8 9 10 11 12 12011 2012 2013
Worst Delinquency [?]
| $0 | Account legally paid in full for less than the full balance |
| 1 time (Apr 2012) |
| 1 time (May 2012) |
| 5 times (Jan 2013, Sep 2012, Aug 2012, Jul 2012, Jun 2012) |
 | | | | | | | | | | | | | |  |  |  |  |  |  | | | | |
| Legend: |  Currently paid as agreed | ||
 30 days late |  60 days late |  90 days late | |
 120 days late |  150+ days late | ||
 Collection |
| Collection |
I'm still reading that a a negative account.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
8/22/13
Sent off another GW to Sallie Mae. This time it was a new letter that was included with my automatic withdrawl information. Figured that could be a good approach.
Shell/Citi has responded to my GW letter from 8/6/13. They state that they cannot find my account with my information. Note this was a CO and paid to them.
Would this letter that states they cant find any infromation be worth anything? Can I send this to the CB's to have them remove it based upon it?
8/23/13
Slow around my office today so I decided to send out more PFD's and GWs. Still at 11 negatives to get removed.
Still waiting for my CA from NCEP to delete as I PFD June 30th for $3,500. Hope that bumps things up when it is removed.
OneMain Financial - Unpaid balance of $4,791. Sent PFD 8/6/13, Sent PFD 8/23/13
Cap1 Card #1 - Unpaid Balance of $1,471. Sent PFD 8/6/13 Sent PFD 8/23/13
City of San Diego - Collection - $130. Sent DV CMRRR 8/16/13 since I have not received any response from PFDs. Still haven't recevied the green card. If it gets returned, no clue what the next step will be.
Chase Auto - 4 30 lates and 1 60 day late. Sent 4 different GW letters to different locations 8/6/13 Sent GW 8/23/13
Sallie Mae - Was 180 days late but now current. Sent GW again after being denied twice already. 8/6/13 Sent GW 8/22/13 with
Amazon Card - $0 balance - GWing, Sent 8/6/13, Sent GW 8/23/13
Cap1/Best Buy - $0 balance - GWing, Sent 8/6/13, Sent GW 8/23/13
Cap1 CC #2 - $0 balance - GWing, Sent 8/6/13, 8/17 received a "We sold your account" letter. Resent new GW on 8/19/13.
Cap1 CC #3 - $0 balance - GWing, Sent 8/6/13, Sent GW 8/23/13
Cap1 CC #4 - $0 balance - GWing, Sent 8/6/13, Sent GW 8/23/13
Shell/Citi - $0 balance - GWing, Sent 8/6/13, Sent GW 8/23/13
@denver133 wrote:Portfolio Recovery - $236 from Amazon card - Will send PFD in the amount of $75 on Feb. 11 2013. REMOVED
Can you pm me the address or email you sent the PFD to? Portfolio has been very difficult to deal.
