alaskan Posted February 19, 2003 Report Share Posted February 19, 2003 It's been a long and difficult war cleaning up my credit report. I just check my EQ report and the last negative(a charge-off)has been removed, last battle won!Now that the hard part is done I'm going to focus on driving up my credit score. It seems hard to believe that something I knew so little about was effecting me so much, but now that I know what a "Credit Score" is and how it works I'm going to make it work for me not against me.Thanks to all that have helped the past couple of years and most of all thanks to Kristy for this website and great book.For those of just starting you should learn as much as you can before you start spending your time and money writing letters. And for those of you still in battle don't give up, in time you will get what you want.Thanks again,Alaskan Link to comment Share on other sites More sharing options...
Swede Posted February 19, 2003 Report Share Posted February 19, 2003 That's great news!! I hope you'll stick around and help out others on what worked for you and not. CONGRATULATIONS.... Link to comment Share on other sites More sharing options...
admin Posted February 20, 2003 Report Share Posted February 20, 2003 Congrats! PS - Swede - you've almost caught up to me in the number of posts! I am getting vwery scaird... Link to comment Share on other sites More sharing options...
Swede Posted February 20, 2003 Report Share Posted February 20, 2003 <blockquote>Originally posted by adminCongrats! PS - Swede - you've almost caught up to me in the number of posts! I am getting vwery scaird... </blockquote>LOL well you've been scarce lately, I'm sure you'll straighten things out soon. Besides, I post stuff like "hi" and "good luck" just to catch up to you.... Link to comment Share on other sites More sharing options...
admin Posted February 20, 2003 Report Share Posted February 20, 2003 Well, I am busier than a one-armed paper-hanger these days (my real job intrudes), prolly for another month. If you want to *chat* email me! Link to comment Share on other sites More sharing options...
Anonymous Posted February 20, 2003 Report Share Posted February 20, 2003 <blockquote>Originally posted by alaskanIt's been a long and difficult war cleaning up my credit report. I just check my EQ report and the last negative(a charge-off)has been removed, last battle won!</blockquote> How did you get a charge off- off your report. I think eventually the seven year reporting will come around and I will be so absorbed in still trying to remove it- that I wont notice it until contacted by CB's regarding a dispute on an unknown account.Doubt that- Any strategy tips would be appreciated.[Edit by Candy on Wednesday, February 19, 2003 @ 11:14 PM] [Edit by Candy on Wednesday, February 19, 2003 @ 11:15 PM] Link to comment Share on other sites More sharing options...
alaskan Posted February 20, 2003 Author Report Share Posted February 20, 2003 <blockquote>Originally posted by SwedeThat's great news!! I hope you'll stick around and help out others on what worked for you and not. CONGRATULATIONS....</blockquote>Swede, Thanks and yes I'll stick around and help where I can. It's great to have a clean report again.<blockquote>Originally posted by CandyHow did you get a charge off- off your report. I think eventually the seven year reporting will come around and I will be so absorbed in still trying to remove it- that I wont notice it until contacted by CB's regarding a dispute on an unknown account.Doubt that- Any strategy tips would be appreciated.</blockquote>Well some might say I got lucky but I say that doing my home work payed off. When I first started working on this account I called the OC that was reporting the tradeline. I know that I should not have called them but I just want some information about the account not to dispute or challenge thier listing. I gave the guy I talked to my name and the account number but he could not find anything about the account, he asked for my SSN but I told him no and said goodbye. I then wrote them a validation letter requesting complete accounting statements and a copy of the loan agreement. They sent me a computer statement that only showed the amount of the charge-off and nothing else. This is the part that's good. A couple of days later when I went to deposit my pay check, sitting in front of the bank was a large truck and the operators were dumping boxes full of papers into a shredder. When I came back out one of the guys was takeing a smoke brake. I asked him why the bank was shredding all those papers and he told me that the banks up here don't like to pay for heated storage and that Wells Fargo was making room for more offices. Up here Norwest Financial was bought by Wells Fargo and it became Wells Fargo Financial. It did'nt take me long to put two and two together. I went down to check the office and it had been remodeled. When I got home I fired off a letter demanding that they either provide the documents or remove the listing and that if they don't I would pursue my legal options. I got a letter back from them stating that they cannot locate the requested documents and the account would be handled as requested.No matter what just remember this, they want something they can only get from you...Money. And if they don't play by the rules you can take their money.[Edit by alaskan on Thursday, February 20, 2003 @ 05:36 AM] Link to comment Share on other sites More sharing options...
Anonymous Posted February 20, 2003 Report Share Posted February 20, 2003 Thanks for the info.... Now I know why that two of my 30 days lates w/ wells fargo were quickly deleted. I had two sep. auto loans w/ them listing 3 30 days lates on both-I disputed and both deleted 3 weeks later. Link to comment Share on other sites More sharing options...
troubledconsumer Posted March 14, 2003 Report Share Posted March 14, 2003 oh crap, I did the same thing I called an OC (out of SOL) and couldnt find my account at all, under name , acct# or SSN (ARG!!!) , u mean this is a nono???I am trying same thing you did. ugh...thank you for any replies I am new to all thisbut already got 6 del, eq4 del EXwaiting on TU (in the mail supp.) Link to comment Share on other sites More sharing options...
Swede Posted March 14, 2003 Report Share Posted March 14, 2003 <blockquote>Originally posted by troubledconsumeroh crap, I did the same thing I called an OC (out of SOL) and couldnt find my account at all, under name , acct# or SSN (ARG!!!) , u mean this is a nono???</blockquote>No calling the OC is fine, it's the CA's that we don't recommend calling. Congratulations to your deletions Link to comment Share on other sites More sharing options...
vonniegirl Posted March 14, 2003 Report Share Posted March 14, 2003 Would like to offer congrats on deletions too!I think someone said that once you get this all straight you'll be in the market for a new name Hey, I'd change my name for good credit...hey how bout it...Got it Good Credit Link to comment Share on other sites More sharing options...
troubledconsumer Posted March 14, 2003 Report Share Posted March 14, 2003 thanks for replies, I was worried for a min. there Link to comment Share on other sites More sharing options...
Recommended Posts