My scores keep dropping in the last couple of weeks - went from 668 to 585 in 14 days, and all because I applied for an online car loan before I really should. That'll learn me.
Here are some things in the pipeline, that I am curious if people think will give me any kind of boost on my credit score?
1. Have sent GW letters to about 6-10 creditors - two have already worked and deleted accounts. Am waiting for decisions from the others.
2. Paid off Ford Charge-Off - account will go from $5400 balance to zero. And NO, I didn't pay the whole $5400, but the settlement offer I accepted did explicitly state that it will appear on my CR as "Paid in Full," not "Settled for Less than Full Balance." Ford has also removed repo comments from my reports.
3. Requested some duplicate and erroneous inquiries be removed from my reports.
4. Waiting for investigation to conclude from EX - called Dell the other day to find out result of a GW letter I sent, and they have no record of my account on file. So, I disputed as "Not Mine" and am hoping that EX finds that the account has been deleted from Dell's files.
5. Target card balance is finally below 10% utilization, and Target is removing some 30 to 60 Days Past Due comments from my file (Feb-April) that should never have posted because I was enrolled in a payment plan to get caught back up with them, and I paid more than the minimum each month to get it paid off, and part of my agreement with them when I enrolled was that it would stop all the late pays on my credit reporting as well as late charges.
6. 4-6 Student Loan accounts will report as Closed (Paid) as part of a loan consolidation.
