I sent a validation letter out about 2 weeks ago by cmrrr to Arrow Financial and today I received a leter from them stating they no longer collect for this account and they will contact the CB to let them know and have this account removed. I was so Happy when I read that because it was for a collection that was supposed to fall off in March of 2012.
I have a long way to go but I have accomplished quite a bit, I think --(several late payments removed, arrow removed, 1 pfd......still working on 3 other late payments and 1 collection) I am so greatful that I found this forum because I never knew that I could fix some of the things on my cr myself.
Thanks to EVERYONE, I love this forum!!!!!
My score is 502 now but it hasn't been affected by the removals and stuff yet. I hope it goes up quite a bit though. My goal score is about 650. I only have my mortgage and my car payment that is a monthly bill reporting on my cr though. I don't want to get a credit card or anything like that ( don't like monthly additional bills). With the progress I am making, I WILL MAKE IT REALITY by nexy year...( I hope)
Thanks again for everything.........
Your story is encouraging- thank you so much for sharing! I'm just getting started in the process, myself, so I'm a bit nerve-wracked and just need to take the first step! Anyway, my point before I completely ramble, is that I'm really happy for you, and that offers me some hope too.