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About joeyzoom

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  1. Excuse me as I am shaking as I write this. As many know I have been rebuilding for 4 months, my scores have gone from 550s to mid 600s across the board (FICO 8s),... I had MULTIPLE COLLECTIONS deleted, charge off from First Premier, and baddies. As of this morning, my last baddies were a Capital One CO from 2013 (only 2.5 years old, likely killing my score) and 3- 30 day lates for student loans in dispute from 12 months ago. I GWed Cap One for weeks, and got contstant denials ... UNTIL THIS AFTERNOON at 2pm. I kept getting the generic BS of "We can not delete inaccurate information blah blah blah" ... so I demanded a call from a true EXECUTIVE, as I have friends who have gotten GW deletions with Capone -- I even mentioned consumer discrimination in my letter. As of 2pm, I got a call from a to execuitve with the APPROVAL TO DELETE THE CHARGE OFF!!!!!!!!!!!!!!! They have electronically notified the 3 bureaus and are faxing me a letter of proof tomorrow! THIS IS MY LAST BIG BADDIE, FOR REAL!!!! GONE! CAPITAL ONE!!!!!! My scores today are: EXP 644 EQ 637 TU 662 .... After this deletion, especially it being my last baddie I am expecting either a rebucketing which will make me cry LOL, or a HUGE SCORE BOOST!!!!! TU may easily get over 700!!!! My reports are clean with UTIL at 30%, AAofA 6.7 years, oldest 13 years, and only the 30 day lates in dispute left!!!!!! IT CAN BE DONE PEOPLE!!! IT CAN BE DONE I will rpeort back tomorrow if it deletes overnight which it usually does, with scores -- if not, I will call my contacts at the 3 burueaus to manually delete with the letter. I cant believe this, I really cant. FIGHT until you get it done - THANK YOU SO MUCH to all fo you on here, I am in the HOME STRETCH!!!!!
  2. How do I send a MOV LETTER? Fax ? This is only affecting my EXP file
  3. I have sent a direct dispute and HIPAA claim to the Business office requesting immediate removal from the collection agency in lieu of a lawsuit and HIPAA complaint. That should light a fire. Got a call from the CA Manager (very nice lady) saying she will look into this with the hospital management and resolve this. So heres hoping by weeks end this is gone, otherwise I will be using your form!!! thank you!
  4. i all! So I recently succeeded in getting my second last collection off of my bureaus -- a medical collection of $1200 with Mercantile Adjustment. The hospital actually forgave the debt 3 years ago but never reported it to the COL AGENCY and it finally came off thanks to my due diligence. Got a 5 point score bump too At 636 now (EXPERIAN), up from 578 just in July!! NOW, I have one more due to age off in November.. California Buisiness Bureau. The balance is $1705 with the hospital (OC) but they want $2200 to pay it off and they will delete early...extortion if you ask me!! I declined and want to know if theres ANY WAY to get this off early based on HIPAA, or DV or disputing? I tried disputing with CRA (EXP) and they just came back validated. Are there any other options for me to be aggressive or should i just wait ? The collection is from 2009, so I imagine it barely hurts my score now? The collection removed overnight was from 2011-2012, much more recent. Any advice would be appreciated! I want t have a clean report when I app spree for new cards in October/November, so waiting wouldn't kill me, but I'm impatient. I have $10,850 in credit, at 43% UTIL - paid down to 29% which will report end of month. So expecting a bump there too! Thank you all for advice -- you are all wonderful here!! Scores: EXP 636 TU 633 EQ 600 * Not on this report