AFNI Delete – 1 pt Increase

Oct 012010
 

First, thank you all for your help. I sent an email to AFNI requesting they delete my TL. They responded to me with the standard we will delete letter. Great! So I checked my CR today and…….BOOM it’s deleted. I’m super excited. It only took them a week to remove it. My score went up 1 point, but hey that 1 point brought me from 699 to 700! In the last few weeks I’ve managed to go from TU 671 to 691 and EQ from 677 to 700. I have only 3 derogs left. Two fall off next month and the other I am waiting to hear back on my GW request. AMEX here I come, hopefully. If anyone needs the AFNI email please send me a PM. Thank you again.

Don’t know where to go now….

Mar 232010
 

I have a few baddies on my report that are listed in collection and a few that are listed as profit & loss. Our lender that we went to speak to said that it would be best to settle with the people that have it listed as profit & loss and ask them to do PFD for an amount of what is owed or send then GWL and hope that they will delete it.

 

As for the collection accounts, Im not sure what to do…. the collections I have are as follows…

 

First Premier Bank- for $503

Security Check LLC- for $45

Time Warner- for $454

 

 

 

What would be the best course of action for these? To maybe try and pull out a loan to cover everything? Or what?

Thanks!

 

How long does it take for Deletions to fall off.

Mar 092010
 

I’ve gotten 2 CA letters stating that they will delete, but haven’t seen the change in my scores or the reports.  How long does it generally take to see the effects of the deletions.

Another One Bites the Dust!

Feb 182010
 

I received another “will delete our listing” response on a good will letter today from NCO!!

 

That makes in the last 14 days:

 

RJM Delete with PFD sent

Compucred deleted with GW letter

AFNI 2 tradelines deleted with GW letter 

NCO deleted with GW letter as of today!!!!!

 

Sooooo Excited! I can hardly wait to see the actual results! 

 

Also, got approved for BOA secured card.

 

Still a lot left to do, but look out here I come!

 

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