moemeadors

Well, been hiding and thought an update was due. From before: What is next - 1) Secured loan from NFCU - Got the secured loan, but funny thing, never showed up on my credit report and no pulls. 2) two CD's From NFCU - Got one for 1k 3) Apply for NAVCHEK LOC and overdraft protection - After a week with the CD, applied and got 15K Navcheck 4) Apply for NFCU mastercard - Sometime around christmas. High income - NO DEBT were contributing factors. FICO EQ 623. With all the bad about DMP, remember, YOUR DEBTS ARE PAID OFF IN FULL AND THAT KICKS flowers>

bump

BonBon/WhyChat please help with my next step, everything is back now from the CRA's... TU - deleted all medical collection accounts. EQ - deleted one account and two remain, one paid one unpaid (SAME CA) EX - Deleted one account and 3 remain. Two paid and one unpaid (SAME CA). Please advise on my next step. CRA's verified but provided no new information. I appreciate all the help! Moe

Just trying to keep track of how my scores are going through my plan. Received a Scorewatch alert and my new EQ score is 623 an increase of 21 pts. Truecredit shows old DMP account updated as Paid and NFCU showed up on EQ.

Just thought I would drop a link for Virginia medical privacy for those interested. http://leg1.state.va.us/cgi-bin/legp504.ex...d+32.1-127.1C03

With the landline service, I fear if you do anything with the CA, you will wind up like me...a paid VZ CO...that will not budge. I don't think they sell the debt, but just have someone else collect for them. Just get something in writing.

I am former military...I think USAA is next and Bayport FCU after that. I have burnt a lot of bridges with some big companies in the past...CITI, GEMB, HSBC, capone, etc...got a while to go before I apply to them again. No hurry though. I do want a FICO mid of 700 by mid next year...

I just got one for the HIPAA too, said the same thing, gave me a report number I don't have and they are my only disputes right now...went online to look the report up and it still says they are in dispute...and action pending...is this just them saying they have began the dispute? hmmm

I never tracked my scores until the last couple months. I would imagine over the last couple years they had to have gone up. I was supposedly (from the refi guy) in the 400's when I started. My FAKO's are in my sig, and that is how they are now. The striked ones are from the beginning of the repair process.

My plan was to watch each movement on score watch and see what happens. I will post here. Only thing so far is EQ lost 2 pts for application. New Card only reporting on TU and EX so far. Lost 4 FAKO points there.

So it is probably a pre-approval with a soft requiring a hard in final app? Since I have a card in good standing, odds with a pre-approval are pretty good?

I log on to my corporate card account, and select personal card offers. Multiple cards come up. Are these cards "pre-approved"? I have had my corporate for 2 years, no issues. We have to pay it directly. They do monthly reviews on my CR. Just curious.

My understanding is NFCU loves usage. Just dont go over and pay on time.

The city where I used to live, sponsored a credit counseling program through United Way and Consumer Credit Counseling Service (CCCS). I have mixed feelings about them, they DID help me immensely, but not too helpful when THEY screwed up. So I have several recent lates because of it. I would recommend them though, just because they have been around a long time are part of the United Way. Check with your city and see what they might have.

DMP is about over and to add to this new forum how I am obtaining new credit. See below for my scores. I have elected to not worry about the TU FICO score. Will worry about that when my last baddie comes off. 1) Signed up for truecredit and scorewatch 2) I have had a little used NFCU account that I am currently transitioning to be my CU/Bank of choice 3) Applied and received $1200 unsecured NFCU cash rewards visa. 4) Currently holding for 45 days (time to get card and one month report What is next - 1) Secured loan from NFCU 2) two CD's From NFCU 3) Apply for NAVCHEK LOC and overdraft protection 4) Apply for NFCU mastercard Hold 4-6 months. See where I am at. Been developing a plan for a while, just implemented beginning steps recently. Thought it might help someone else coming out of DMP. Been there for three years, if you have any questions, please ask.