I just wanted to let everyone know that persistence does pay off. Here are my results after ten months of hard work: EXPERIAN - September 02 1. Judgement for $1,595 (unsatisfied) 2. ANBCC - $7,908 Charge-Off 3. AT&T Wireless - $623 Charge-Off 4. CitiBank - $64 Collection, $2,234 Balance, No Lates. 5. City of San Diego - $147 Charge-Off 6. Discover - $1,735 Balance - Multiple Lates 7. First USA - $12,080 Charge-Off 8. HSBC Bank - $5,542 Charge-Off 9. Equidata - $29 Collection Account (appeared 03/03) EXPERIAN (today) Ten positive tradelines â?? No lates or any derogatories. EX FAKO score of 776. EQUIFAX - September 02 1. Judgement for $1,595 (unsatisfied) 2. Assoc/Citibank - $7,898 Charge-Off 3. CitiBank - $2,084 Balance, Paid Collection + 1-60 Day Late. 4. Discover - $1,735 Balance, Multiple Lates. 5. First USA - $12,080 Charge-Off EQUIFAX (today) Eight positive tradelines - No lates or any derogatories. EQ FICO score of 793. TRANSUNION - September 02 1. Judgement for $1,595 (unsatisfied) 2. Discover - $1,735 Balance, Multiple Lates. 3. Assoc/Citi - $7,908 Charge-Off. 4. Citi - $2,234 Balance, $64 Collection. 5. City of San Diego - $147 Charge-Off. 6. NCO Fin CFS - $18,415 Collection. 7. Mazda Credit - Closed, 5-30 Day Lates. 8. HSBC - $5,542 Charge-Off. 9. Allied Int. - $10,954 Collection. TRANSUNION (today) Eight positive tradelines - No lates or any derogatories. TU FICO score of 788. NOTES. Of my original 23 derogatory tradelines, 20 were removed by dispute, one was removed by settlement ($180 paid to the City of San Diego), one was removed by validation, and one (the judgment) fell off due to age. I was fortunate in that most of my high balance charge-offs were five plus years old and no longer verifiable. Both my Discover and CitiBank accounts were closed, but had revolving balances and were showing multiple lates. I paid off the remaining balances and then started disputing the lates. They all eventually were deleted by dispute. Strategies that I tried that did not work were Nutcase and Goodwill letters to the OCâ??s. I never had to send a ITS letter, but I came close and was preparing myself for court. Many thanks to everyone for their help! This board is invaluable!
Ryder Please Stick Around for US in the Valley of CREDIT xoxoxoxoxoxoxoxoxoxoxoxoxoxoxoxoxoxoxoxox CONGRATULATIONS !!!!!!!!!!!!!!!!!!! ~
Feels good don't it? I'm really amazed you have 20 accounts removed thru disputes. I have had ONE. Course all my negatives were less than 2 years old. Anyhoos, congrats on your success.
Hi Just for curiosity, may I ask you this? In total, how much was your debt and how much you have paid in settlements and every other expenses. Congratulations on a clean credit report. ~~~~~~~~~~~~~~~~~~~~~~~~ Ganesh
Ryder's hooked now WOW - HUGE Congrats Ryder. Those are some beautiful scores too. Geez we're graduating some experts this week. EXCELLENT!!! THE SYSTEM WORKS AND THE PROMISES ARE TRUE !!!
Congrats ryder! I've just started my journey and I hope I have similiar success. I'm a little down today because I was rejected by Sallie Mae for a law school loan. I talked to a Customer Service Rep who said that a required co-borrower is common, but I still feel a little low. Hopefully you stickaround to help us rookies. Congrats again!
Ryder - Are ya sticking around ???? We know you will checking in on us 7 month olds (hint hint) What was the light at the end of the tunnel for you?? Please Share ...
Ryder - Are ya sticking around ???? We know you will checking in on us 7 month olds (hint hint) What was the light at the end of the tunnel for you?? Please Share ...
Thanks all. I'm not going anywhere. I usually try to check the board at least once a day and answer a few questions if I can. Its the very least I can do...
