I would hope that they atleast praise my efforts in hunting them down successfully?

I will update when I get an answer… which, hopefully will be soon!!

i have 3 closed auto loans all perfect history. 4 closed credit accounts all charged off back in 2007, paid in full. 4 small med collections that refuse to pfd, 2 are from 2007, 1 from 2008, 1 from 2009.

i have two inquiries on each credit report within the last year. equifax shows a total of 6 but 5 of the 6 are from my credit union for the auto loan that is active. i had to reapply several times because i changed my mind and didnt take the loans because i didnt find a vehicle i wanted.

i also have one public record. a judgement from one of the cc’s from 4/2008. also listed as paid.

my question is, do I have any chance of making it to a 680?

It’s quite a task, but I really need my score to climb a bit. I’m at about a 550 on average and really need to get to 620. Although, I tried to sign up for myfico, they could not get a score being as I don’t have 6 consecutive months of reported credit.

AFNI

BAL: $65

OC: Verizon

Removal 12/2014

Midland Credit Management

BAL: $1441 O/C New Balance $1715

Citi/Sears

Removal: 10/2013

Pinnacle

BAL: $637

OC: Verizon Wireless

Removal: 12/2011

RJM Acquisitions

BAL: $236

OC: Wachovia

Removal: 04/2011

RJM Acquisitions

BAL: $510

OC: Target

Removal: 03/2014

Unique National Collections

BAL: $85

OC: Library of Philadelphia

Removal: 05/2014

Verizon Pennsylvania

BAL: $144

Removal: 12/2013

Verified Motion for Proceedings Supplemental
Comes now the plaintiff states:
1. The Plaintiff owns the judgement obtained in this court against the judgment defendant, and the unpaid balance of the judgement as of August 18, 2010 is $1937.31

2. Plaintiff has no cause to believe that levy of execution against the Judgment Defendant will satisfy the judgment.

3. Plaintiff believes that the judgment defendant may have non-exempt property or earnings, and that the Garnishee-defendant, if any, may have non-exempt property or earnings of the judgment defendant. 

Wherefore, plaintiff prays that the judgment defendant be ordered to appear before the court to answer as to his or her non-exempt property or earnings, subject to execution; that the garnishee defendant, if any, be ordered to answer interrorgatories concerning non-exempt property or earnings, due or to become due, to the judgment defendant and return the same to the court; and that the court, after receiving the answered interrogatories from the garnishee defendant, if any, issue an appropriate order to apply said property or earnings towards the judgment.

Verification/Certificate of Service
Plaintiff’s undersigned attorney affirms, under the penalties for perjury, that the facts set forth in the foregoing verified motion are true to the best of his or her knowledge and belif. 

The undersigned hereby further certifies that a copy of the foregoing motion has been served upon the judgment defendant by first class U.S. mail, postage prepaid, this 36 day of August 2010.

It then has Weltman, Weinberg & Reis’ contact information. And Thomas R. Kendall (Attorney for Plaintiff) Signature

Order to appear on plaintiff’s motion for proceedings supplemental

Comes now the court and grants plaintiff’s verified motion for proceedings supplemental. Is therefore ordered that the judgment defendant appear before this court, which is located at _______ on October 4, 2010 at 10:00 am to answer as to the judgment defendant’s non-exempt property or earnings subject to execution.

It then has a place for the judge’s signature, but is not signed.

This is the first thing I have received from this company, I wasn’t aware they had taken over the dept. I don’t know what to do. I want to get it taken care of, but in doing a little research I have found bad things about WWR. Should I contact Capital One directly or is it to late for that? Should I call this company and see if we can work out a payment plan, or settlement? Or should I just wait until October 4th and see how it goes in court? 

Also, I’m worried they may get access to my bank account!! Especially since I used my debit card to sign up for the Fico Free Trial. Is this possible?

Any and all advice is greatly appreciated!!!