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!!!!!