A wild 700 has appeared! A paid judgement was deleted 4 years early for no...
Holy Canoly, my first 700 just appeared! I pulled my monthly 3 bureau CreditCheckTotal reports yesterday(May 4th), and my EX score was at 654. Today I logged in to check CCC again like I do everyday...
View ArticleStill get no mail offers...
So my scores are starting to scratch at 750 Fico 8, I still have never gotten a single mailer!!! My DW always receives them then glotes.... Even my cousin with his 590 scores receives them! (Discover,...
View ArticleThe Long Process of Gardening
Hello guys and gals! This isn't my first trip to these forums, I however can't remember my previous log in. So I have this one and it's old as well lol. I've been doing a lot of reading and have typed...
View ArticleWhat to do with extra money!!
I will be receiving a small amount of extra money in a few weeks & I'm in desperate need of some advice on what to do with it. My primary goal is to increase my credit score. Right now, it's a 620...
View ArticleHelp with CA Wrong info reported to the CA
Hi all,So told I had a call from a collection agency stating I own an online school for $3000 I have not attended any online school or done any online course.They stated I applied in 2015 but was...
View ArticleRebuilding and Cap one hates me!!
I applied for the one of their cards. They pulled Ex (592) and EQ (583) and denied. I'm just going to give up on them!
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The dreaded Verizon...
I know they will not PFD, so what it the next best option? To just PIF and have it marked as a paid collection? OR has anyone had any sucess with a settlement, but them reporting paid in full. Mine is...
View ArticleJudgement
Hello, a judgement was removed from my credit report dated July 2014, I took a settlement with the company, will this possibly help my mortgage scores? Talked to mortgage lender said it had to be taken...
View ArticleExperian EE Weirdness
So I have a charge-off from Capital One that hits the 7 year mark in September. I've already had it excluded from my report with TU. When I tried with EX the same day they told me to call back on June...
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Experian Early Exclusion Success
I had one bad mark on my Experian report. It was a Public Record due to a BK13 filed in 2009. I had read of others having success in getting it off their reports 3 months early with Experian. Now it...
View ArticlePaying CO before it reports
I have a CA that just sent my first notice on a CO credit card. They offerred a FANTASTIC settlement which I'm willing to take. Being new to repairing my credit but being serious about it, do I pay...
View ArticleCFPB SUCCESS, HOW LONG?
I filed a complaint with the CFPB about a month ago. The acct in question was a ambulance bill from late 2010 that I had no knowledge of. I had attempted to dispute the acct about 4 times with no luck....
View ArticleAll accounts are paid and current, How can I raise my poor credit score?
I recently had all of my accounts in collections removed, which has raised my score from 535 to about 590. I would like to further increase my score however I don't know what else I can do. I'm current...
View ArticlePay for delete response? Success or Failure?
Hey everyone, I recently pulled my credit report and found a blemish that is affecting my credit. Upon reading several guides I gave them a call and asked if for our mutual benefit I could make a one...
View ArticleShould I close my Banana Republic Store Card?
HI everyone, I need some help. I've been in the process of rebuilding my credit and im starting to get offers from other credit cards.Currently I haveWalmart : $700Cap1 Secure : $500Cap 1 Quicksilver:...
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WOOOHOOO!!! Capital One Upgraded to QS almost 1 month after opening!!!
I started up chat feature on Capital One account and asked if there's any offers on my Platinum? (Today is the 1st statement cut/closing date) The first thing I smiled after seeing this: Kelvin07:59...
View ArticleCreditor and CA...Removal
Hi guys....Say I have CreditOne and Midland on my reports. C1 charged off to Midland. I paid Midland back in Nov of 15. Im trying to get both removed. If I get C1 removed, will they get Midland...
View ArticleOlder debt easier for GW adjustment ?
Was curious as to if older debts(5+ yrs), seem to have better luck with GW adjustment success ?
View ArticleHubby got his Credit Steps!!
Started at $500 on each card, got $1000 CLI after his 3rd statement, and got another $500 after his 6th statement (cut at midnight). Will be combining them when I get the QS1 paid off which should be...
View ArticleAccount removed after GW letter?
I recently mailed out 3 GW letters for some late payments I had back in late 2011 and early 2012. (Bank of America, Merrick Bank, Chase) I received a response from Bank of America, standard letter...
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