I just pulled a report, we are "supposed" to settle this week. I have a 623 now from 475 in January. Anyway, they have 2 duplicate accounts still remaining that were also re-inserted after 3 yrs, so these should fall. They need to change my Capital One accounts to R-5 from R-9 and delete 4 medical collections (all from same collection agency). Then and only then will I settle along with a check for $3K. I wonder how many points those 6 accounts and changing Capital One will give me? Ok NOBODY knows so why am I even asking? lol But......who will approve me (after the above is removed and score goes up possibly another 50 'ish points) with 2 paid collections for $45 & $46 from 2000 and the 2 Capital One charge-offs even though I paid them in full with R-5 rating? Will I have a chance for Citibank or ANYONE prime on my EquiSUX report?
from what i've been reading, citi is easy if there are no bk's and a score 620+. so, i think you have a shot. just my thoughts.
Christi, You have come so far! I would not risk the inquiries just yet....just sit tight for a few more weeks, then the world will be yours!!!!
