Thank you myFiCO!!!

[Anonymous]

The advice/opinions offered in all of these threads in the forum, WORK! I pulled a TU cr(dtd 9/18/07), and was horrified to see an old Sam's Club account balance of $16 was charged off wayyyyy back in Jan.2005. (Sam's Club handled by GEMb...yeah I know the reputation they have). I FINALLY got a good telephone # and called them and FINALLY got a live person to talk to...explained the situatuation to her. After 15 min. of research, and confusion on her part she said "you were not given credit of $11.00, and I'll delete the balance of $5.00 because of the age......PLUS.....I will the 'collection item' from your credit reports!" Hey! the system works! and I learned it all here at myFiCO forums! THANK YOU myFiCO! Today...TU: 649...by December, hopefully 700! yayyyyy. Thought you all would want to know. Sylvia

[fused]

Right on!

[Tuscani]

Remember to comment in the success stories thread!

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=27512

[Anonymous]

Done! Thanks Tusc!

[Anonymous]

I second that thank you to the people on this forum! I first came across this Forum when I signed up for myFICO on Augsut 16th. Since then I have read and learned a lot AND ... my Equifax score has gone up 55 pts ( 583 to 638 ) in just a month and a half by paying off some debt and paying down credit cards as well as taking the time to write a dispute letter to correct errors. That score is still the lowest of my 3, but I feel much better and need to pay off some more credit card debt to get the scores up further.

I have a bankruptcy which will be ten years in March of 2008 so Im wondering what will happen when that falls off - any ideas how much that may affect things?

Thanks again for all the great advice here, Im learning a lot AND being more financially responsible and secure.

Dave.