No1coltsfan wrote:
Just a brief review of my situation. I have several negatives on my report (which I will review below). I have sent multiple goodwills to all of them numerous times and not a single thing happens from them. I'm wondering what other options I may have.
Maurices (WFNNB) Account in Good Standing
30 days late60 days late90+ days late
| 3 times (Jul 2009) |
| 2 times (Aug 2009) |
1 time (Mar 2009)'
|
The 30 day late is a major derog and will hurt your scores. Continue to GW
Kohls Account in Good Standing
30 days late60 days late90+ days late
| 2 times (May 2009, Jan 2009) |
| 1 time (Feb 2009) |
| 0 times |
30s and 60s are minor derogs and lose their bite after 2 years
Best Buy 0 Balance Collection (i paid it off) as of July 2009
Continue to GW
Ikea $394 Bad Debt Collection as of September 2012. Wont respond to a pay for delete
May have to pay and then GW
BOA Morgage Paid off March 2011
30 days late60 days late90+ days late
| 21 times (Jan 2011, Sep 2010, Aug 2010, Jul 2010, Jun 2010, May 2010, Apr 2010, Mar 2010, Feb 2010, Jan 2010, Jul 2009) |
| 8 times |
| 1 time (Nov 2008) |
Like above, the 90 day hurts. Try to GW it off
TB&W Mortage Paid off
30 days late60 days late90+ days late
| 1 time (Apr 2007) |
| 0 times |
| 0 times |
Doing more good than bad. Leave it.
Sallie Mae Student Loan; Current with Balance
even year payment history [?]
30 days late60 days late90+ days late
| 0 times |
| 0 times |
6 times (Nov 2008, Oct 2008, Sep 2008) |
WFEF ( I Honestly don't know what this is) Listed as Bad Debt Collection
Seven year payment history [?]
30 days late60 days late90+ days late
| 0 times |
| 0 times |
| 7 times (Dec 2009, Nov 2009, Oct 2009) |
Wells Fargo Equipment Finance is all I could find on that one.
GERCB Paypal Settlted Account
Seven year payment history [?]
30 days late60 days late90+ days late
| 2 times |
| 1 time |
| 3 times (Jul 2009, Jun 2009, May 2009) |
Continue GW process
Webbk/Dfs Paid Charge off DOLA OCT 2008
30 days late60 days late90+ days late
| 0 times |
| 0 times |
| 7 times (Nov 2009, Oct 2009, Sep 2009, Aug 2009, Jul 2009, Jun 2009, May 2009) |
Continue the GW process
Toyota Motor DOLA Oct 2008
- Consumer disputes after resolution
- Closed or paid account / zero balance
Seven year payment history [?]
30 days late60 days late90+ days late
| 8 times (Aug 2008, Jun 2008, May 2008) |
| 0 times |
| 0 times |
The lates are only 30s and are old. Not hurting that much
Portfolio Collections
- Account paid for less than full balance
Paid collection
Continue the GW process. They are a pain!
NIssan Motor Acceptance
30 days late60 days late90+ days late17 times (Mar 2010, Feb 2010, Jul 2009, Jun 2009, Mar 2009, Feb 2009, Jan 2009, Dec 2008, Nov 2008, Oct 2008, Sep 2008, Aug 2008) 7 times (Apr 2010, Jan 2010, Dec 2009, Oct 2009, Sep 2009, Aug 2009, Apr 2009) 1 time (Nov 2009) Same as above, keep trying to GW, at least the one 90
Keep up the GW process, they can say no 100 times, but it only takes one yes. Maybe switch up your GWs, look for a dispute officer or VP or something like that. Don't give up, it can be done. There are plenty of success stories on here, let's add you to that list.
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.