Navy Federal and My Fico Rocks

Mar 182011
 

My husband just joined Navy Federal last month and I have been working on his credit since January 4. So far, 5 collections removed thanks to the advice on this board

 

On Wednesday he was just approved for 5K from Navy on his very first credit card. No other company would help him

 

Don’t give up!!! Navy Rocks

1 baddie dropped from CR and only a 1 pt increase

Mar 052011
 

I was super excited to see an old collection fall off of my TU report, but it only gave me a 1 pt increase on my True Credit Vantage score.  :smileysad:

 

Hoping some of the GWs I sent out last month will work…

GEMB/JCP and LVNV

Dec 072010
 

I’d like to send a goodwill message to both companies.

 

Does anyone know the best method (with results) to contact each company?

 

I wonder if anyone had a similar problem:

LVNV had Northland Group collecting my debt.  During my repayment plan they sold my account to Allied Interstate… so my last payment was not accepted. (how unfair :smileymad:)  I requested validation of the debt in the mail over the phone when Allied first contacted me to let me know I now owe them money.  They never sent anything so I waited months (and made more phone calls) and never received anything.  I finally caved and paid last month and have yet to receive anything from them in the mail.  WTH is with these guys?

 

sent dv letter, received copy of bills..

Oct 242010
 

I sent a dv letter to e r solutions for a sprint bill  (they never sent me anything in the mail just showed up on my cr last month) that the dofd was 05/2008 and they sent me back a copy of bills.  the sol where i live is 2 years for telecommunication. i didn’t receive anything else except a very brief letter stating that i have 10 days to respond.  i thought they were supposed to send you something that you signed or something else. 

what should i do next?  was thinking about a pfd but not sure.

 

any ideas or advice will be greatly appreciated!!

NEW to the process would like some insite and direction

Oct 182010
 

I have been repairing my credit for hte last 4 years, i have not been late on anything, just paid my car off in Feb, the oldest account in good standingis my home 8 years (did have it almost go into foreclosure 4 years ago)  I have 8 baddies and it looks like 3 or 4 fall off late next year.  I just opened a Cap One last month, Any ideas how to help me raise my score 100 points in 6 months?  I am at 618 right now.

Auto Loan Payoff and Credit Score….

Sep 042010
 

OK…Paid off my auto loan last month (August).  Still showing balance and waiting for it to report $0.00.  My question is this, how many points may i receive from this?  I was thinking maybe between 5-10 points.  Or am I way off base and maybe 0-3 points. 

 

Has anyone seen any success (point increase). 

 

Thanks…

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TU & EQ-Does one take longer to update on CR’s?

Apr 152010
 

Just got an alert that my EQ just shot up from 574 to 607 (it shot up to 574 just a few days ago) and now it’s shooting up again.  Don’t get me wrong, not complaining at all but how long does it take TU to post?  I paid off my balances on my CC last month and recently sent Lowe’s a GW to delete a 30 day late and they completely deleted the entire TL.  I’m sure this is what has caused my CR to shoot up a few points but why isn’t it posted to TU yet or is EQ just supa fast? =P 

 

I guess I should wait 30-60 days to see if any change to TU regarding the Lowe’s info.  They still have it listed on my CR. =(  Well at least it’s going up and not down!!! Thanks! 

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