Update on Credit Scores ::started from the bottom::

I should be ready to purchase a home by March 2016 :Whoop Whoop::  I started in the VERY LOW 500's IN 01/2015.........It was BAD!   I PDF the majority of the collections that were on my report,  I had a total of 15 and now down to 2 PAID collections!!!!  I did it Myself...NO CREDIT REPAIR RIPOFFS! TU Fico 08 / 650Fico 04 / 661 (mortgage score)Fico 08 / 672 (auto loan score)Fico 04 / 685 (auto loan score)Fico 08 / 665 (bankcard score)Fico 04 / 671 (bankcard score) EXFico 08 / 614Fico 02 / 642 (mortgage score)Fico 08 / 637 (auto loan score)Fico 02 / 674 (auto loan score)Fico 08 / 627 (bankcard score)Fico 03 / 670 (bankcard score)Fico 02 / 651 (bankcard score)  EQFico 08 / 619Fico 05/ 594 (mortage score)Fico 08/ 634 (autolending)Fico 08 /610 (bankcard score)Fico 05/ 619 (bankcard score)

I sent PFD letters (I live in Texas),  and if they were able to provide me with documentation that the debt belonged to me, I would call back towards the end of the month (that is usually when they have to meet a quota)  I would offer an amount (I always offered a much lower amount) in lieu of them removing the debt from my credit report.  The majority of the time, they agreed and would send me an email confirming that the debt would be removed from credit.  I had a total of 15 collections,  and now I'm down to 2 collections that are PAID....I will be sending Goodwill letters for those.    (search previous post for PFD letters) 

Similar Messages

  • HT4623 An IOS update was started and now the screen is frozen with a zipper starting from the bottom an arrow above that and the iTunes symbol above that

    I am using an IPad 4 and I was notified of an IOS update. When the update started the screen froze displaying a zipper from the bottom with an arrow above that and an itunes icon above that. IPad will not do anything.

    You are in Recovery Mode. Follow step 1 to 6 closely to recover your iPad.
    http://support.apple.com/kb/HT1808
    Note: You need to be patient and repeat the above many times to recover your iPad

  • HT204382 i need to learn in how to down load music from u tobe.but i need to learn on how to star from the bottom.

    I need to leran in how to dawn load music from you tobe.but I need to start from the bottom can someone help?

    If there is no download button under the video you are looking at, then Youtube's terms forbid downloading someone else's property. Because they forbid it, we would be violating the terms of these forums if we were to try to help - sorry.

  • HT201412 I did an update called for on the "Settings". After a while it switched to a picture of a cable from the bottom to an iTunes logo, and won't move from there. What to do?

    I did an update called for on the "Settings". After a while it switched to a picture of a cable from the bottom to an iTunes logo, and won't move from there. What to do?

    Do as the picture suggests. Connect your iPad to iTunes using the supplied USB cable.

  • How do I start Icons on IPhone 6 from the bottom of the screen

    Hello,
    The new phone is too big for me to reach the top of the phone without moving my hand position,  this means I can not do one handed operation of the 6 as easily as the 5.  Is there a way to make each page of Icons begin from the bottom?  If not, this should be put on a list of upgrades to the next operating system as I don't need all my apps on one screen so I would rather have more pages of apps with blank space at the top of the screen (rather than the bottom) for each of my pages so I can reach all of them without my second hand.
    thanks,
    K

    You don't. There is a feature built into the iPhone 6 and 6 Plus called "Reachability". Tap twice on the home button (tap, don't click) and it will pull the screen down to make it easier to reach icons and controld at the top.

  • HT4437 I am swiping from the bottom of my iPad screen for sharing, and nothing happens!

    iOS: Using AirPlay
    Learn how to use AirPlay to stream videos, music, and photos wirelessly from your iPhone, iPad, and iPod touch.
    You can AirPlay videos, music, or photos from a variety of locations on your iOS 7 device, including from within the Photos, Videos, Safari, and Music apps.
    To use AirPlay, you will need the following:
    iPhone 4s (or later), iPad 2 (or later), iPad mini, or iPod touch (5th generation)
    Apple TV (2nd or 3rd generation)
    AirPort Express
    Wi-Fi (802.11a/g/n) network
    AirPlay video or photo content to your Apple TV
    Connect your iOS device and Apple TV or AirPort Express to the same Wi-Fi network.
    Swipe up from the bottom of your screen to access Control Center.
    Tap AirPlay. You should now see available Apple TVs.
    Tap the name of the Apple TV you want to AirPlay to, then tap Done. Now when viewing content in Photos, Videos, or the Safari app, it will be streamed to your Apple TV.
    AirPlay audio content to your Apple TV or AirPort Express
    Connect your iOS device and Apple TV to the same Wi-Fi network.
    Swipe up from the bottom of your screen to access Control Center.
    Tap AirPlay. You should now see available AirPlay-enabled devices.
    Tap the name of the device you want to AirPlay to, then tap Done. Now when playing audio in the Music or Safari app, it will be streamed to your AirPlay-enabled device.
    Note: The images of a TV screen  or speaker  next to each AirPlay device in the AirPlay menu indicate the type of media content you can stream to that device.
    If your device isn't using iOS 7
    Additional Information
    To get full AirPlay features, make sure your AirPlay-enabled devices are using the latest software updates.
    When AirPlay is enabled from Control Center, it will stay on until turned off. Therefore this setting will extend to all apps when used.
    Not all apps or in-app content allow AirPlay.
     Learn more about using AirPlay Mirroring. If you are having issues with AirPlay Mirroring, see troubleshooting AirPlay and AirPlay Mirroring.
    Important: Information about products not manufactured by Apple is provided for information purposes only and does not constitute Apple’s recommendation or endorsement. Please contact the vendor for additional information.
    Last Modified: Sep 18, 2013
    Helpful?Yes No
    Related
    iOS: Use AirPlay Mirroring
    You can use AirPlay Mirroring to mirror exactly what’s on your iPhone, iPad, or iPod touch to your HDTV via Apple TV.
    iOS: Troubleshooting AirPlay and AirPlay Mirroring
    Use these steps if: The AirPlay icon doesn't appear on your iPhone, iPad, or iPod touch. There are performance issues while using AirPlay or AirPlay Mirroring.
    GarageBand for iOS: Delay in recordings after turning off Airplay, Bluetooth, or HDMI output
    You may experience a delay in recordings after switching the " AirPlay - Bluetooth - HDMI" switch from On to Off. Press the Home button to return to the Home screen and reopen GarageBand for iOS.
    How do I enable airplay on ios7?
    I just downloaded ios 7 today. I can't find the airplay and airplay mirroring control. Where did it move to?
    Airplay with Airport Express - No sound when trying to play music from iPad
    So I have updated everything. I have an Airport Express and an iPad with the newest iOS . I have music on my iPad which i tried to stream via AirPlay but no sound comes out.
    How to use airplay?
    Latest reply : by Diavonex iPad 2. iOS 6.1.3 installed. AirPlay icon doesn't show up!?
    Additional Product Support Information
    iPhone iPad Apple TV iPod touch
    Start a Discussion
    in Apple Support Communities
    See all questions on this article See all questions I have asked
    Contact Apple Support
    Need more help? Save time by starting your support request online and we'll connect you to an expert.
    Get started

    Using AirPlay on iPad
    http://support.apple.com/kb/HT4437
    AirPlay Mirroring
    http://support.apple.com/kb/HT5209
    Trouble shooting AirPlay
    http://support.apple.com/kb/TS4215

  • Why is the sound coming from the bottom of my laptop

    Im watching netflix and i can barely hear because the sound is only coming from the bottom of my laptop but my sound and speakers are all the way up

    Hello , Welcome to the HP Forums, I hope you enjoy your experience! To help you get the most out of the HP Forums, I would like to direct your attention to the HP Forums Guide First Time Here? Learn How to Post and More. I understand that you are having an issue with your sound, and wanted to help! To start, can you provide me with the Product Number of your notebook?  Here is a link you can use that will help you find your Model and Product Number: How Do I Find My Model Number or Product Number?
    Also, did you have the issue before upgrading to Windows 10?  You can try using the HP Support Assistant to get the drivers you may need to resolve the issue for you.  You can also try a Hard Reset.  If that doesnt help, and this issue started after the upgrade, then you may consider using the Go back to an earlier build option, in your System Settings:HP Notebook PCs - Upgrading to Windows 10
    Once you are back to your original Operating System, check to see if you are experiencing the same issue. If not, then you may consider holding off on the Windows 10 update for a few weeks, until drivers can be updated.
    Please let me know if this information was helpful by clicking the thumbs up below.
    Have a great day!

  • Starting from the top... and working down the Dim...

    Can anyone help ?We all know that Essbase naturally calcs from the bottom up.However, I'm wanting to start at the top of a dimension and work my way down eg...If Sales at "Total Markets" > 0 use the value of Sales. Finish.Else If the "Total Market"s children > 0 then use the value of Sales. Finish.Else Next level down etc etc. until lev0 is reached.I'm sure it can be done (efficiently, or otherwise!).Hope to hear from you. Thanks.

    move the tables so there is adaquate room to accomadate the reference headers:
    When the unlocked table is active the reference tabs appear and the spacing between them accomadates without interference:
    Perhaps if you can post a screenshot we can be more help:
    To post:
    - capture using the key command <command> + <option> + 4
    - the cursor will change to a crosshair
    - click and hold the top-left corner, then drag to the bottom-right corner
    - release
    - a file will appear on the dsktop named something like "Screen Shot 2013-09-04 at 7.40.34 AM.png" where the date and time are updated
    - return to this forum and click the camera icon in the toolbar
    - navigate to, and select, the screenshot image on your desktop

  • HT1918 how can i remove my credit card details from the iphone

    I fed my friends credit card details on my iPhone to purchase some apps, but whenever i am buying anything now on, the system does not prompt and the amount gets deducted from my friends account. Need to know how to remove the credit card details from the account.

    From that HT3702 page :
    If you update your billing information, the iTunes Store or Mac App Store will place an authorization hold on your payment card account, usually in the amount of 1 USD or the local currency equivalent, to verify your account information.
    You might see authorization requests on your online statement. These requests aren't actual charges; they are tests to confirm that your payment card account is active and has available funds to accommodate transactions. Authorization holds are removed by your financial institution shortly after your purchase clears. The time it takes to remove authorization requests varies by financial institution.
    The number of days that it takes to diappear varies by bank, but it's usually a few days - though with the weekend coming up it might take an extra day or two

  • I have a thin horizontal line running across my screen about 1/4 of the way from the bottom of the monitor. Why is it there and how do I get rid of it?

    There is a thin horizontal line running across the width of my screen about 1/4 of the way from the bottom. This line, along with an occasional vertical line about a 1/3 of the way from the right side of my monitor, started appearing about 7 days ago. Usually the line would disappear after a restart but now it seems intent on staying. Does anyone know what is going on and how can I resolve this?

    Contact Apple's Support, formerly Apple Express Lane.

  • Music player control buttons not working in locked screen as well as not from the bottom control panel

    Music control like Play, Pause, Fwd etc not working from the bottom swipe up control screen, also not while the phone is locked. Please suggest

    Hi Shanku1337,
    Thanks for visiting Apple Support Communities.
    If the controls in Control Center are not behaving properly, make sure you've tried all the steps in our iPhone assistant, starting with restarting the device:
    http://www.apple.com/support/iphone/assistant/phone/
    Best Regards,
    Jeremy

  • Appears and quickly disappears a new screen overlaying the screen in use, it starts at the bottom of the screen tela.MACbook pro retina.O what could be causing this?

    appears and quickly disappears a new screen overlaying the screen in use, it starts at the bottom of the screen tela.MACbook pro retina.O what could be causing this?

    Thanks for the suggestion, the next step was to call Apple, who gave me a claim number, which I discovered you must have to get anything done with them.  They refered me to a Apple store or repair center, after some reseach took it to the Computer Store in Mobile, Alabama and they were excellent.  They took pictures of the screen with bug submitted it to Apple who denied the claim but they kept kicking it up to the next level and finally Apple agreed to sent new cover.  The Computer Store had the cover the next day, they changed it out and now I am bug free.  If your in the area of Mobile Alabama you can feel good about getting help from the Computer Store.  For the two folks that responded to my note, Thank You, good comments and good advice.

  • Of clans but due to shortage of space i want to delete it for some days.If i delete the app and then reinstall it after a month should i start from the beginning or cont. from where i left

    i use ipad mini with retina display 16gb i love playing clash of clans but due to shortage of space i want to delete it for some days.If i delete the app and then reinstall it after a month should i start from the beginning or cont. from where i left

    However, I originally had the kindle app on there and when he is reinstalling it comes up with my kindle account. How do we change this?
    OPen teh Kindle app.
    Tap the i at bottom right then Settings > Deregister this device.
    -> http://www.amazon.com/gp/help/customer/display.html?nodeId=200375710&#managedevi ces
    He does not have an actual kindle so I am not sure if he would be able to create one anyways.
    The Kindle app is so you do not have to use a Kindle. Yes, he can have a Kindle account and not own an actual Kindle hardware device.

  • Grandaughter managed to hide the four items from the bottom of my screen, mail, keypad, and safari and music, how do I get them back?

    how do I get the four items from the bottom of my screen, safari,keypad,music, and mail to return?

    Tap and hold any app's icon until all of the app icons start jiggling. Then tap & hold the apps' icons that you want on the Dock/Launch bar and drag them onto the bar.

  • Scrolling with mouse wheel in column browser starts from the start of the list

    Hi, I'm wondering if anyone else has been encountering this problem with iTunes.
    Ever since updating to 10.5, whenever I use the mouse wheel to scroll in the column browser, it starts from the start of the list, regardless of which artist or album is highlighted.
    For instance, I press the M key to jump to artists starting with M, then use the mouse wheel to scroll down the list, in iTunes 10.5 it jumps me back to the As.
    The strange thing is that if I then use the mouse wheel to scroll down to the Cs, then jump down the list via a key press, mouse wheel scrolling will start me back to where I last scrolled (C).
    How can I fix this problem?
    I'm using iTunes 10.5.0.142 on Windows 7 Home Premium.

    I can confirm the behaviour. It would seem iTunes is keeping a separate record of the position in the list for use by the scroll wheel, and then snapping to that before scrolling up or down a screenful. The same random jumps happen if you use the keyboard Page Up/Page Down commands and then use the mouse wheel.
    I shall file a bug report.
    tt2

Maybe you are looking for