Krash Posted January 7, 2008 Report Share Posted January 7, 2008 OK so, I will say alot of bad things came off my credit without me disputing it, anyway I recently disputed AIB-CO, ON EX EQ TU, and all 3 deleted, I also disputed a old mortagage not showing a report just sitting there, may have hurt me, but oh well, tu OAC, AFNI!!! THe dreaded afni came off, OAC CAME OFF, YEA, I am down to two derogs on TU and a BK 7 on all 3 but no more derogs on EX or EQ, I am happy about this!!!! Now If i could only get that bk7 off lol, anyway that will come off in 2010 and the 1 derog that I have on tu is set to come off in feb 08, so now all I have to do is let this new stuff settle and I should be fine!! Thanks everyone here... I still have evil cavarly lurking around but no response, I also noticed on my TU report that just came in and had 3 deletions a thing called NCO GROUP, not sure who they are, but that crap cavarly probably sold out to them leaving me another place to fight, but with this place I am going to DV them if this is the case, I have no other bad marks against me nor do i have any lingering bad stuff.. Thanks again!! And anyone can comment on the NCO Group SOFT PULL, it wasn't a hard pull so I am not sure! And also to update my cc venture, I am going to wait the year out and have a full year of pay on my best buy mc, and orchard, I am going to be closing them out before the AF comes back up, I just got a CITI select plat, with a 9.24 APR, 0 int for 12 mos on purchase and on bt's, it has a 3200 limit so i took 4000 from my shell mastercard "not sure if that was smart" but it will be put to my select, the shell mc now has a limit of 2000 and I get no af for 1 year and if i buy gas 9 times i get it free every year, but if not it is 20 bucks! Also he lowered the apr from 15.49 varible to 13.4 after 6mos at 2.4 on my shell card, so all and all CITI is my bank of choice and they have gave me " I am guessing PRIME cards" So i won't be needing HSBC after my year!! Any input on this is nice as well, and if anyone has the 0 int 12 months on bt's and purchases comment, I would like to know if i use the card for a regular purchase would I lose my 12 mos 0 int bt? I am going to call them but I would like to have input as well for other folks!! Link to comment Share on other sites More sharing options...
whocares Posted January 7, 2008 Report Share Posted January 7, 2008 Way to go Krash!!! Keep up the good work!!! It takes time and you'll be fine... Link to comment Share on other sites More sharing options...
andbowd Posted January 7, 2008 Report Share Posted January 7, 2008 thank you.AB Link to comment Share on other sites More sharing options...
Krash Posted January 8, 2008 Author Report Share Posted January 8, 2008 yeah whocares, thanks! Also not really understanding the thank you from AB, but your welcome from me, and if it wasn't directed to me, then you are welcome anyway! I wanted a wamu card soooooooooooo bad, but don't need em, citi takes care of me. Link to comment Share on other sites More sharing options...
Krash Posted January 8, 2008 Author Report Share Posted January 8, 2008 any ideal's on the NCO GROUP? It isn't really recent, it was in november and two months before that, soft pull only.. year 07 Link to comment Share on other sites More sharing options...
debtmamma Posted January 8, 2008 Report Share Posted January 8, 2008 Congratulations!!!!!!!!!!!!! Link to comment Share on other sites More sharing options...
Try4Gr8Credit Posted January 9, 2008 Report Share Posted January 9, 2008 Ask around here and see if that email address for NCO still works. It worked for me!!! Link to comment Share on other sites More sharing options...
Krash Posted January 9, 2008 Author Report Share Posted January 9, 2008 i don't even know what it is, I don't have a debt in collection other than the jdb's cavarly, besides i am not even going to worry about it, I will check my credit in a few months for a score update and to make sure everyone is reporting and if i see something I will DV'em, I don't know of anything that will be sent to collections, I am not behind on nothing, other than cavalry and piss on them Link to comment Share on other sites More sharing options...
lovebug5 Posted January 10, 2008 Report Share Posted January 10, 2008 Nice job, Krash!!! Fabulous progress! Link to comment Share on other sites More sharing options...
Donna47129 Posted January 10, 2008 Report Share Posted January 10, 2008 Nice work!!! Link to comment Share on other sites More sharing options...
Krash Posted January 10, 2008 Author Report Share Posted January 10, 2008 thanks everyone, i appreciate all those nice words, I love the site and I am addicted.. I have to take a break sometime, seeing how no one comments on the nco soft pull, not going to even worry about it! Thanks again folks!!! Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 OK OK PEOPLE!!!!!!!!!!!! Listen, my fako's were wayyyyyyyyy higher than my FICO! but I do have a new account for 37.50 lol, I took out a bill me later, I figured heck why not surely they won't turn me down on 37.50 lol, maybe it will hurt my credit i don't know, but i have 0 collections and these scores are with NEW accounts and 11 inqs on tu, 11 on ex, and 3 on eq. So can someone tell me how to post my fico like everyone else does?? Please let me know!!FICOTU 687EX 677 Not a member of the 700 club (((((EQ 685Are these strong scores with ONLY a bk? I have very good pay history it says but my new acct's are killing my score, so i let that age, question will that BML hurt my score I mean cause it was only 37 bucks!! what is your take on that? Maybe they won't show up even? Anyone have the bill me later from CIT bank? Thanks! Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 24, 2008 Report Share Posted January 24, 2008 OK OK PEOPLE!!!!!!!!!!!! Listen, my fako's were wayyyyyyyyy higher than my FICO! but I do have a new account for 37.50 lol, I took out a bill me later, I figured heck why not surely they won't turn me down on 37.50 lol, maybe it will hurt my credit i don't know, but i have 0 collections and these scores are with NEW accounts and 11 inqs on tu, 11 on ex, and 3 on eq. So can someone tell me how to post my fico like everyone else does?? Please let me know!!FICOTU 687EX 677 Not a member of the 700 club (((((EQ 685Are these strong scores with ONLY a bk? I have very good pay history it says but my new acct's are killing my score, so i let that age, question will that BML hurt my score I mean cause it was only 37 bucks!! what is your take on that? Maybe they won't show up even? Anyone have the bill me later from CIT bank? Thanks!They're still really good scores, Krash.I'd be interested in knowing how to post my scores too. I'm going to pull 'em in February some time. Link to comment Share on other sites More sharing options...
Krash Posted January 24, 2008 Author Report Share Posted January 24, 2008 hey for 25 percent off use this mags, It may still work in FEB SCORESNOW25 Link to comment Share on other sites More sharing options...
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