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  1. Portfolio will work with you. Call them and settle to pay for a lesser amount. Set up a payment plan. Good thing about them is they'll delete the collection from your reports once the balance is paid. Sent from my SM-G965U using Tapatalk
  2. When calculating credit utilization, is an authorized user's account factored into that? Ive seen on one CRA's website that they do NOT include AU accts when factoring utilization but Ive seen numerous other places that its included. Sent from my SM-G965U using Tapatalk
  3. What is Metro 2? Sent from my SM-G965U using Tapatalk
  4. Has anyone actually tried to make the suggested payments on your revolving/open accts to see how accurate the MyFICO simulator is? Sent from my SM-G965U using Tapatalk
  5. You can also settle for a lesser amount and they'll still delete. Offer them 40% of the total. Sent from my SM-G965U using Tapatalk
  6. Thank you! EX: I guess it really just depends on who's on the other end of the call. last month I called about 6 weeks before it was due to fall off and they told me I had to wait until the 30 day mark. I called back the next day and they removed it no questions asked. TU: I got really lucky w/ one account. It wasn't due to drop off until 6/2021. They deleted it after I called a few weeks ago. That's 9 months early. 😲 EQ: They absolutely suck. they wont budge for me unless its w/in 30 days, like you said.
  7. Decided to call EX today. Couldn't wait until 10/20. Spoke to a rep from onshore and she asked for my info, Put me on hold for about a min and came back and said it was deleted. And that was my last Ex collection. 😃Will call EQ tomorrow and hope they do the same.
  8. Thanks! Yeah I know SOL is for lawsuits. I just added that note so any who responded would know Im soon to be out of SOL. I'll review them again for errors. Thank you! Sent from my SM-G965U using Tapatalk
  9. Morning all. Wondering if there's anything I can do besides letting them age off to tackle these last 3 baddies. These all occurred when I was unemployed in 2016. 1. Comenity/Express still open: four late pymts in 2016. I mailed a GW letter requesting to change the lates to "paid as agreed". No response yet and I know the odds are slim to none that they'll agree to it 2. Wells Fargo Credit card. Charged off 5/2016. Emailed CEO to ask if I paid the balance could they report the card in good standing. Rcvd phone call that they had to report it as law required. 3. Firestone: Charged off 6/2016. Have yet to initiate any action against them. Im in VA. SOL is 5 yrs. Thanks in advance. Sent from my SM-G965U using Tapatalk
  10. Experian's premium subscription provides FICO scores for all 3. Sent from my SM-G965U using Tapatalk
  11. As someone stated on my inquiries post earlier this week, only the ones in the last 6 months affect your scores.
  12. Thank you! Are you saying it doesn't matter how many inquiries you have? The score impact in the first 6 months will be the same for 5 inquiries as it would be for 500 inquiries? Using 5 and 500 as examples of course?
  13. I remember reading that while inquiries are on your report for 2 years from the date of the inquiry, its only the ones that are less than 12 months old that affect your FICO scores. Can anyone confirm that? Sent from my SM-G965U using Tapatalk
  14. CONGRATS!!! Seems like it's pretty standard for TU to delete 6 months early. Seems like you pushed the envelope with the deletion of the 4/2021 acct. Sent from my SM-G965U using Tapatalk
  15. Did they possibly look at your FICO9 score? Sent from my SM-G965U using Tapatalk

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