Finally Completely Clean!! :))

Discussion in 'Credit Talk' started by Nave, Apr 13, 2002.

  1. Nave

    Nave Well-Known Member

    I recently received a letter from NCO (responding to my validation letter) telling me they would contact the CRA's and remove the incorrect listing (only on Eq), and I had one item on Equifax that was 7 years old in May.

    Those were my last 2 items on any of my reports, the rest (TU and Ex) were completely clean.

    Well I gave the "system" a month+ to receive and update the NCO account, and I just got anxious and pulled my reports. The NCO letter was in fact sent to Eq as they promised, and Equifax did their job and deleted the listing. AND the (7yr) May item was removed a month early. I am just giddy.

    Equifax is now clean, so now all 3 of my reports are squeaky clean ('cept for inquiries:)!!!!

    Thanks everyone for all the help correcting and the rebuilding. I could not have done it without you all.

    -Peace, Dave

    PS LKH you are a big part of the help I needed and got, I hope you will hang around.
     
  2. marci

    marci Well-Known Member

    congrats dave!
     
  3. Shantel

    Shantel Well-Known Member

    I'm sooooo jealous! ;-)
     
  4. Momof3

    Momof3 Well-Known Member

    Congrats Dave:)

    I remember way back when you were first starting this.

    I am glad to see you have reached your goal:)
     
  5. milkmom

    milkmom Well-Known Member

    Great work Nave!! Hopefully I will be where you are soon. :)
     
  6. dfwgt

    dfwgt Well-Known Member

    I'm jealous too!

    Just curious - how long did it take from when you started and what are your scores now?

    Enquiring minds want to know :)


    GT
     
  7. Kelly

    Kelly Well-Known Member

    Wow Dave,

    You must be flying high right now

    Great Job
     
  8. Erica

    Erica Well-Known Member

    You've been waiting a long time for this. Congrats!
     
  9. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    HUGE CONGRATULATIONS NAVE!
     
  10. QUEEN_BEE

    QUEEN_BEE Well-Known Member

    HUGE CONGRATULATIONS NAVE!
     
  11. breeze

    breeze Well-Known Member

    WONDERFUL!!!
     
  12. cfand3boyz

    cfand3boyz Well-Known Member

    CoNgRaTuLaTiOnS!!!!!!!!!
     
  13. Nave

    Nave Well-Known Member

  14. sassyinaz

    sassyinaz Well-Known Member

    wowOwowwwwwwwwwww Dave,

    Congratulations!!!!!!! You're such a nice guy, it's well deserved, enjoy it!

    Sassy
     
  15. breeze

    breeze Well-Known Member

    Actually, when I clicked on this thread, I thought you had found an amazing new soap. ;)

     
  16. Jim

    Jim Well-Known Member

    Congrats Nave !!!

    That is outstanding. I hope you stick around to help those who are new here.

    Best regards,

    Jim
     
  17. charlieslex

    charlieslex Well-Known Member

    Way to go Nave!!! do you know what your scores are now? Charlie
     
  18. Nave

    Nave Well-Known Member

    Thanks Sassy, Jim, Charlie, and Breeze....LOL soap commercial :)

    Charlie, I have not pulled myFico score yet after the recent 2 deletions. I was gonna wait till I reduce some excessive balances. My cap1 card does not report limit and I have taken advantage of some low interest balance transfer offers, so my bal/limit ratio is high. My scores that I know:

    Experian via CE = 735
    TU via TU = 672

    #1 reason is excessive balances on revolving credit
    #2 length of time revolving accounts have been established is too short
    #3 too many recent inquiries (I have like 1 or 2 on each report)

    At least no more #1 reason: derogatory listings...Now they pick on other reasons to tell me I am not worthy :).

    -Peace, Dave
     
  19. PsychDoc

    PsychDoc Well-Known Member

    BIG WAY TO GO, DAVE. :)

    It couldn't happen to a nicer, more helpful guy. Congratulations!!!

    Doc
     
  20. whyspers

    whyspers Well-Known Member

    Geat job, Dave :)



    L
     

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