Hi All! I have some good news! Two weeks ago, I called a CA that showed up on my CR, and offered to pay my balance over 6 months in exchange for deletion. Who can spot my first mistake (or three!). After reading the forums, I was especially worried I'd ruined my chances as deletion, since I had nothing in writing! This week I pulled my annual copies of my credit report, and disputed the collection agency on all three as "Not Mine." Within TWO DAYS it was dropped from Experian! Victory! I'm still waiting on Equifax and TU, but I'll take victories where I can. Next up? The Goodwill letter I sent to BoA. It's a long shot (I've read they aren't especially helpful), but I am a current card holder with BoA checking and savings accounts, and one SINGLE 30 day late payment. Cross your fingers for me!
Congratulations! This site is awesome. I refer people to this website all the time for DIY credit repair. Thanks! Heather with BoostMyScore.NET
Oohh, a new development! "The Office of the CEO and President at Bank of America has received your e-mail. Please provide me with a telephone number where I can reach you during business hours, Monday through Friday, so we may discuss this matter. You may call me direct at 1.866.965.1506 extension xxxx, Monday through Friday 8:00 am to 4:00 pm. Thank you." I'm not sure if this is good or bad news, but I'm happy to see they respond to emails!
Actually, I sent both an email, and a mailed letter! Sadly, no luck from my email (but a very nice phone call... "I wish I had a different answer, but we're required by law to report correctly). Cross your fingers for my hard copy! And if that doesn't work out, hey. It's 1 18+ month old 30 day. I'll live.
Bummer...well, the letters do sometimes receive a different response. My fingers are crossed for you!
Another deletion! This time, Paypal CC from Experian. The other two Credit Report Agencies have pending disputes. Cross your fingers!
