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CKB750

Just paid off my cards

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12 hours ago, Burdell said:

The OP's stated goal is to raise his scores to 770+

My advice was the single best thing he could do to achieve his goal would be to attempt to get his two late payments deleted through good will letters.  

Was I wrong?

Nope.

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Congratulations, OP!

 

I will have mine paid off by the end of the year, as well.

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Just got a letter today from DCU stating that they will be removing my 30 late that was reported to the credit bureaus August 2016 from all 3 CRA's courtesy of my good will letter!!!

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40 minutes ago, CKB750 said:

Just got a letter today from DCU stating that they will be removing my 30 late that was reported to the credit bureaus August 2016 from all 3 CRA's courtesy of my good will letter!!!

'grats

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49 minutes ago, CKB750 said:

Just got a letter today from DCU stating that they will be removing my 30 late that was reported to the credit bureaus August 2016 from all 3 CRA's courtesy of my good will letter!!!

Excellent news! Well done! And well worth the effort it took. You should see a big boost in your scores after this late gets deleted. 

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I closed First Premier and my Experian score drooped 21pts. I guess I will see a nice boost when my 1 30DL from 2016 gets removed

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1 hour ago, CKB750 said:

I closed First Premier and my Experian score drooped 21pts. I guess I will see a nice boost when my 1 30DL from 2016 gets removed

What is the source for the score?  And which specific model?

 

Also, if all of your open credit cards are showing a zero balance, you need to ensure one reports a small balance (ie. the $2 'trick') for maximum score impacts.  You will also reasonably expect an increase when all of the derogatory items are off of the reports...

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