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About ad2s07

  • Birthday 08/03/1980

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CIC Member

CIC Member (4/6)



  1. Hello, it's been a long time since I have been on this site. I accomplished my goal of repairing my credit. I bought a house, have 5 credit cards (all with limits over $1000), bought a new car. Credit scores are all in the 700's thanks to CIC. Now this is the problem. Two years ago I received a letter from ARS letting me know that my hospital debt was transfer to them. So I contacted them and set up payment arrangements to pay and they agreed. I paid the $70 bill as agreed. I thought everything was fine. Now I check my credit and they reported this as been paid after two years. And you know it's affecting my credit. Refresh my memory, but I know they are not suppose to report anything to your credit within the 30 days. The letter stated if I did not contact them they would put this on my credit. I contacted and paid within the 30 days. I disputed all three bureaus. All deleted but Experian. I am furious. I need to write a letter but want to make sure I am right about them not having the right to report. Any suggestions? Thanks!
  2. After all my hard work, I am now able to buy a home! I am getting a FHA loan. The rate is 4.875%. The house is 4 bedrooms, 3 full baths, and a total of 2250 sq. feet. I am so excited! I owe it all to CIC. I am so glad I ran across this site two years ago, because if I would have never stumbled across this site, I would be still renting today with a credit score in the low 500's. My scores are now : EQ- 693 this is my middle score they used, TU- 699, and I'm not sure about EX-688 according to the lender's report, but scoreplus shows 734. Thank you so much!!! Love you all!!!
  3. Last week I decided to dispute five accounts that were schedule to drop off July and August of this year. Today the investigation was completed and to my surprise all five were deleted. I am so happy!! :DMy score only jumped 18 points, but that's ok. Now I only have two negative accounts and seven positive. I know with time my score will continue to rise. Thanks!!
  4. It's been a while since my last post. I ordered my scores from Experian today and to my surprise my credit score is 734!! It has gone up 139 points. I am so happy. I now only have two judgments left on my report, one of which will be deleted in August. The rest of my report is perfect, five positive accounts. I'm still working on TU and EQ reports. The majority of my negative accounts on both reports will be deleted around June, so I'm patiently waiting to pull those scores. I owe everything to CIC. I can't tell you how much this forum has helped. I have gained so much knowledge about my rights and how to improve my credit. It's only been two years since I've started this journey and now today I am only a few points away from having perfect credit. Thanks!
  5. It's been a while since I've been on the board or even replied to a thread. I 'm now a full time student majoring in Radiologic Technology also I work full time, I haven't had a lot of time. But the credit repair journey is still going well. Just wanted to give yall an update. Today Capital One finally failed off-past 7years It is still on EX until 02/09 I can wait untill then, tired of fighting with them I'm almost at my goal as you can see in my signature. These are the positive TL I have acquired since finding CIC Total visa limit 375 Macy's 600 CJ 2500 Lincoln Loan 1000 (installment loan) Everything is looking great!! I still have a long way to go but I can see a light at the end of the tunnel. Thanksxdancex:everybodyclap:
  6. Thanks and yes it was well worth it.
  7. I checked my report today and they are gone from my EQ report. This one took a little longer but I got victory at the end8-) I am so happy. Can't wait to see how this will impact my score. Making great progress, looks like I will be meeting my goal very soon! Thanks CIC:IThankYou:
  8. With theses two collections being gone, my EX score is now 598. I am too excited. I just know my ficos are in the mid 600's. I will pulled later this year when I get more results. Can't wait for it to be gone from the other two CRA. Just check TU report and it's gone bye-bye. Score jumped 9 points. I'm having a lovely day so far.
  9. Thanks and yes, you can only filed a complaint in the state that the CA is in.
  10. I have been going back and forwards with Paragon Way to validate this debt. They sent me a print out statement on their letterhead and I thought that was verification, but as I continued to read many threads I saw differently. So I disputed with EX and TU two times and they verified on both. But this is where they messed up, on my EX report they added this account twice. This was all I needed to fire back. I filed a complaint with the BBB and TX AG on 3/31/08. I also disputed the new account with EX on 3/31/08. Today both accounts are gone from EX. The funny thing is I also sent out a ITS on Friday and they haven't received it yet and they still deleted these accounts. Hopefully they will delete from the TU and EQ. Things are looking good. Thanks CIC.
  11. I hear alot about the Statute of Repose for MS, but where can I find this. Anyone? Thanks again.
  12. If so, I would like to know how and what percentage did you offered. I dv'd them twice and i've just received validation. It's out of SOL so i'm ok with that, but it's a new collection and I want it gone. Any suggestions will be helpful. Thanks
  13. That's great. Congrats!! :everybodyclap:We all could use some encouragement from time to time. I've been working on my credit since April of 2007 and have made alot of progress. I still have a long way to go but I am not giving up. Thanks for this post!!
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