I am wallowing in it!! i am so close to being out with scores in the low 600's on two cra's but cannot bust that 650 mark. anybody else out there feel my pain? the kicker is i have had judgements and repo's removed!!! but the damn late pays and ca that are small (under 200) are killing me! I was really hoping for citi by this summer, but it looks like I may not be totally clean until CHOD 2003, although I have two legal options availabe <smile>.
You know, you can still send a validation letter to the paid collections people. Just cause you paid still doesn't prove the debt was yours, You were coerced into paying, you were scared by their threats. Thats the angle I would use. After they don't validate. Write them a letter stating that they are in violation cause they didn't verify the debt is yours and blah blah this and that. sue them. They will remove. I did that with Credit management and CBCS.
Uniondiva...I felt your pain at on 6/4/02, thought I'd never get a prime card...in fact I wined in several posts and was VERY frustrated because I felt so close...all I had been able to get was First Premier..that I closed...Getsmart Providian..don't use...CCB...actually they were good to me...and Cap1 and Target Guest Card...THEN the next day that one CA on equifax went bye bye and hello...14 days later AMEX, Citi, Best Buy, Chevron, Target Visa, Sears, and Macy's are in my wallet...I know how the light at the end of the tunnel flickers...don't give up...it can all change in literally a day....just keep going...we'll all get there!!!!
