Didn't you say you lived in Columbus? Have you not had any dealings with the wonderful folks at CBC? Basically, yes. CBCS is the CA CBC is the EQ affiliate. Same office....I've always thought it to be a little fishy...
way to go pic!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I know some times you probably felt like you were going to shoot the ears off of them or you. I 've been there. I'm to hear you stuck with it. You are all the better for it trust me. more than you know. I tackle a lot of things now I have went through cleaning up my credit. It is training for us all.
I am happy but jealous at the same time because I wish it was me posting this.... I want to post a WOOHOO thread.. DAMMIT.. but hey.. I amvery happy.. this is giving me hope
I always outline the exact violations along with their statute. I am sure they hear ' I am gonna sue you' alot. It looks alot more impressive and gives you more weight if you say 'I will file a suit for the following violations. FCRA statute blah blah'
Yep only 20 points. Today I got a letter from the cc company who has an unpaid chargeoff cc that we have never heard of. They admitted it was fraudulently opened and they sent a notice of deletion. they said it would be 4-6 weeks to see it hit my credit report but it is only on equifax and I faxed a copy of it an hour ago to them. I will let you know what a 3 year old $406 unpaid chargeoff does to your score when it goes bye bye.
I have the following bad stuff left. 1)fncc - got delete letter today. faxed in. waiting 2)UCB $83 collection unpaid- waiting for deletion letter in the mail. 3)4 year old paid chargeoff cc- will be deleted next week I am told 4)settled cc from 5 years ago. will be deleted I was told. With only those left my score is a puny 605 with 2 good credit cards, 2 good car loans, good car lease, and a good installment loan. it has 8 hard inquiries but maxed cc cards of only $1000.
Ok they deleted the 3 year old $406 unpaid charged off cc. My score stayed the same. Could someone please explain what the hell is going on here. I had the same thing happen with my experian score. All the bad stuff hit and it dropped like a rock. When they took it off the score never moved. I am beginning to think that even if something is removed it still counts against you and is hidden somewhere.
