Had some really exciting news today, I received three paid in full/deletion letters from RJM Acquisitions today! It was the highlight of my day, to see the final result of my work really motivated me to continue on in my journey to good credit!
Here is the not so good news...I came home to a collection notice from Credit Protection Association, L.P. stating that they reported my balance due to Charter Communications to the CRA's. I'm in a dilema because I don't have the cash right now to pay it off, and probably won't have it until mid-June, as I have already made arrangements to pay off another account at the end of this month. I can use my credit card, but I am at a point where if I did, I won't be able to pay the credit card off by the due date to stay under my utilization. Should I just take the hit to my credit and pay it off in mid-June?
Starting score: (April 2011) 530 - myFICO EQ
Current score: (04/2012) EQ - 608 (myFICO), EX FAKO - 671, TU FAKO - 619
Let's see what happens once they report minus the late payments!!!!!!
