Credit One Success!

Mar 222010
 

I just received a letter from Credit One stating it would delete my entire TL.  I’m doing a major happy dance!  I really put Credit One in the Bank of America category of Never Gonna Happen. Hasn’t update yet with the CRAs.

 

So far I have had the following GW success:

  • Credit One – TL deletion
  • Chase – TL deletion
  • Target – negatives removed
  • US Dept of Ed – negative removed
  • New Millennium Bank – TL deletion
  • Creditors Interchange (CA) – deletion of two non PP inquiries (14 point jump!)

 

Baddies left:

  • Banana Republic/GEMB
  • Capital One
  • Bank of America
  • First Premier
  • Midland
  • LVNV
  • Other CAs not reporting, but with non PP inquiries
  • Home Depot
  • Bilateral Credit Corp.

Has anyone had luck with the above baddies?  Your stories would be inspirational.

 

I remember a time when I wouldn’t check my mail for two weeks at a time, knowing I owed EVERYONE.  Now, I can’t wait to check my mail for good GW news.  Talk about a great feeling! 

 

My Credit Saga;

Hard Inquiries from an Unlicensed CA

Mar 082010
 

So, I’ve been having a mental battle about what to do with my plethora of inquiries.  Almost all of them are from CAs and, it seems, are PP.  However, I have a few that ran hard inquiries two or three times in a month (same CAs).  In my opinion this is defamation and willful injury.  I have been considering the Pay Me Succa letter, with a modification for D&WI. 

 

That’s when I discovered that several of said CAs aren’t licensed to practice in New York.  Do I have a leg to stand on with the combination of defamation, willful injury and not being licensed?

 

I do know all about the argument that inquiries only count for a year and go away after two.  That’s not what this posting is about.  I’m respectfully requesting no advice on that topic.  Please and thank you.  :smileyhappy:

 

My Credit Saga;

 

 

 


Message Edited by TheCakeGirl on 03-08-2010 10:03 AM

GW CO for hard inquiries? Anyone have experience/advice?

Feb 052010
 

I tried addressing this in another thread to no avail.  So…

 

Background:  Several of my TLs where sent to collections recently.  They have since all been settled and the CA are no longer reporting, just the OCs.  When the CA bought the debt, they did the standard hard pull on my report.  From what I’ve read on this wonderful forum, it’s PP.  I have about 20 inquiries on any given report.  I understand they will not be factored into scoring after one year and will be gone after two. 

 

Situation: I need to qualify for an auto loan, move into a new apartment and build better credit through one strategic new TL, all later this year.  That will add three new PP hard inquiries, for a grand total of 23.  Future DH and I hope to qualify for a mortgage by the first quarter of ’11.  It would behoove us to have some of these removed (if possible) to make way for the three new expected pulls and the ding that they will cause my score.  Too, it’s a hurdle on a manual read.

 

The question: is it bad voodoo to GW a CA for removal of a hard inquiry that are no longer reporting?  I know most people will think this is a waste of time.  I’m OK with wasting my time.  I just want to make sure I don’t shoot myself in the foot.  Can I wake a sleeping dog and they start reporting again?  Are there any other bizarre scenario that I’m not even thinking of that they could do?

 

Any insight would be greatly appreciated.

 

Thanks, everyone!

 

My Credit Saga;