Experian

I’m working on one credit report at a time, although they all contain the same information…mostly. My focus for now is Experian because it holds the most negatives.

2-AFNI, INC.
12/23/08- will be deleted within 30 days per email from T.C.
01/13/09- DELETED!
*if the email address to AFNI’s director of compliance would be useful to any of you…PM me!

CREDIT MANAGEMENT LP
*Thinking about contacting Time Warner Cable to see if they will take the debt back and I pay them directly.

CREDIT PROTECTION ASSOC
*Scheduled to fall off March 2009

DRS BONDED
12/29/08- sent PFD

HSBC BANK
*GW once CA is paid (pfd)

JEFFERSON CAPITAL SYSTEM
12/29/08- sent PFD

3-MEADE & ASSOCIATES
12/29/08- sent PFD

PIONEERML/GA AT COLUMBUS
*Per divorce decree this belongs to my husband. Any suggestions on how to dispute this? EX won’t budge

01/27/09- will send pfd (130.00 monthly) in exchange for removal or placed in positive status

PORTFOLIO RECVRY&AFFIL
12/29/08- sent PFD
02/03/09- received a settlement offer today for 50% or original balance. I sent a response via email taking the offer IF they agree to remove the account from my CR. Cross your fingers!

02/04/09- Got an email response…denied PFD (for 50% of original debt). Replied by stating that I would love to pay the debt, but it’s not beneficial to me to have it listed as settled on my credit report. Dang it! I still have some leverage with the FULL PFD. I’ll try again via CMRRR today.

RJM ACQ LLC
*Not sure what to do as RJM says they don’t have this account in their system
01/13/08- DELETED!

RJM ACQ LLC
*Agreed to delete once payment is made
01/13/09- paid 60.69

01/30/08- paid off…should be coming off any day now. RJM is pretty quick about these things.

2-SECURITY CHECK LLC
*Per A.S. will be deleted
12/01/08- paid (should be showing deleted on 01/01/09)
01/13/09- still showing up on all 3 CR will email A.S.

01/27/09- notified A.S. of paid status will delete in 30-45 days

6-SECURITY CHECK LLC
*A.S. agreed in writing to delete once paid
12/30/08- paid should be deleted on 01/01/09
01/13/09- DELETED!

UNIQUE NATIONAL COLLECTION
12/29/08- sent PFD

01/27/09- received letter that they will not delete. Next course of action…return books (found them last night) then DV and see what happens…any thoughts?

9-UNITED COMPUCRED
12/29/08- sent PFD
01/15/09…..all 9 will be DELETED FOR 400.00 OF THE 800.00 I OWED!
01/27/09- DELETED

01/31/09- Paid as of the 30th. Checked my EX CR on Saturday morning and all 9 baddies are GONE!

VERIZON WIRELESS
12/26/08 sent letter via planetfeedback

01/27/09- sent PFD via planetfeedback

01/29/09- got a call from Verizon Corporate office…won’t PFD…Should I continue to PFD?

WACH/REC
*GW once CA is paid

ZENITH ACQUISITION
12/29/08- sent DV
*Jefferson Capital bought this account and agreed in writing to notify Zenith to have it removed and it’s still there
01/13/09- Was advised that this will be deleted by middle of Jan 09 will be sent a letter stating this
02/02/09- Sending a dispute letter off today. They no longer have this account and it should be deleted per customer service rep.
02/04/09-Checked my CR a few minutes ago GONE!

Tridentasset.com

01/27/08- appeared this week. Will send out DV letter

12/31/2008- 34 baddies
01/13/09- 17 deleted 17 remaining
01/27/09- 22 deleted 13 remaining

02/04/09- 23 deleted 12 remaining I CAN DO THIS!

700 club here I come!!!

I plan on purchasing my fico scores at the end of March and every three months thereafter.

I originally said that I would be purchasing my fico scores at the end of March, but I changed my mind. I wanted to post my scores up before all of my baddies where completely removed so that I could easily see the jump in points (hopefully). So here they are… my fico scores. I should also note that I have score watch so my my EQ score is about a week older than my other two. NOW, I plan to check them again at the end of March when all of my diputes, pfds, and dv’s should be resolved.

TU

01/30/09-582

EQ

01/25/09-504

EX

01/30/09-507