Bounce Posted May 24, 2007 Report Share Posted May 24, 2007 First off THANK YOU! to everybody here, I have been a lurkier for awhile, and haven't posted much, becuase I have usually been able to find the answers to my questions. It really helps to know that I am not the only person going through the things I have put myself into. I was the kind that didn't care about credit, and never checked my CR's. Well I have turned around and started my repair around the first of the year. I got a bunch of nasty stuff off, somewhere around 10 +/- off of each CR, and have added 3 new positve TL's. My scores have dropped,(no positve history, new accounts, and 1 CO changed from pays as agreed to a whole line worth of 120+ lates) which I was dissapointed, but I know that it takes time for them to go back up. But now I seem to be stuck. I still have a Cap1 CO in SOL that is still with Cap1, we all know whats going to happen there...nada, 1 DSRM that is only reporting 120+ lates. I have been going back and forth with a contact there and she has produced alot of records. No luck on that one either. They will only do a paid charge off for the full amount. I know that will hurt my scores more than just waiting it out. Plus I have a paid PR. I was going to try to do something with that, but it did just fall off 1 of my CR's with out me doing anything with it, so I don't want to start something that might bring it back to life to the CR that it fell off of. I now have no CA's on my reports though (bite me NCO, Giove, and asshat!). My fakos are in the low 600's, and yet I can't even get some of the easier rebuilders, like Hooters for example (denied on both app and recon). So I would like to ask for opions on my position, should I just kick back for a while and wait these stickies out, or..... Link to comment Share on other sites More sharing options...
Amerikaner83 Posted May 24, 2007 Report Share Posted May 24, 2007 and 1 CO changed from pays as agreed to a whole line worth of 120+ lates) How in the HECK does THAT happen? La dee da, I'm paying you all right...then BANG! 4 months late with a whole line or two??? i'm seeing a red flag on this particular thing...is it one thing that hasn't been updated in like 2 years, when you were paying, then stopped?Seems way too fast and way to sudden for anything else besides a CRA fault.... Link to comment Share on other sites More sharing options...
Bounce Posted May 24, 2007 Author Report Share Posted May 24, 2007 It was being reported wrong, but in my favor kind of...it was marked CO, but also pays as agreed, so when I disputed it, since it was a CO, DSRM updated/changed it to months and months of 120+ lates. Shot my self in the foot with that one. That is the main reason my scores dropped, I think. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted May 24, 2007 Report Share Posted May 24, 2007 yeah I can see that. Hell meybe you can dispute it again? *hope*?? Link to comment Share on other sites More sharing options...
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