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This is so awesome

March 15th, 2009 at 03:26 pm

I had two deragatory accounts with Doctor's hospital (as you see on my side bar) my most recent on 12/31 wasn't covered because my health coverage didn't officially kick in at work until January 3,2009 so I've been sending $10 a month since January and walla I checked all three credit agencies today and they REMOVED both derogatory accounts from previously and didn't report the third. I was very honest in a letter to them letting them know my financial situation presently. Also I'm considering taking out a small personal loan to pay everyone in full so I can write just one check a month and there's only 1 derogatory remark showing in Equifax. And also my loan request was not denied like it has been in the past. There only question was my income in which I can provide proof of that. Normally I wouldn't even have made it to "review" the computer would generate denied initally.

5 Responses to “This is so awesome ”

  1. oceansluver78 Says:

    Congrats smiley! The kind of letter you wrote is often referred to as Goodwill letters in the credit repairing world. They often work too as yours did! Good luck!

  2. baselle Says:


  3. North Georgia Gal Says:

    That is awesome! Keep up the good work! Before you take out the loan, consider the interest. Most medical places let you make payments without interest. So although it is easier to write just one check a month, you might be paying more in the long run. I use my bill pay with my checking account. It is simply awesome! Saves alot of the hassles and it is FREE!

  4. smiley2009 Says:

    Thanks North Georgia Gal my plan is to take out $3,600 and pay 10 payments of $360 to get it paid off really quick.

  5. Tech Support for Lenovo Says:

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