Reply
Valued Contributor
pizza1
Posts: 1,821
Registered: ‎07-17-2013
0

TU disputes...result??- 10pt increase

So, I'm 2 months post BK discharge, and have ongoing disputes with all three CRA's. Got in the mail today all the "decisions" regarding all my disputes. Results were as follow:

Results:
FICO TU was 570, now after disputes 580.
Got a dismissed judgement under public records DELETED!!!
Got 3 separate chase accts DELETED!!
Several accts updated to IIB/$0 bal


Overall I'm pleased I guess, lol, but still have a few more disputes on TU! They are showing Still 2 Accts in "collections", which were IIB, so need that taken care ASAP!

I'm hoping that once my 2 new trade lines NFCU CC and Capital One CC show up on the CB, that maybe ill see another slight increase, instead of decrease. They are new accts and the trade lines don't show yet.


10/14/2013-
FICO scores- EQ 653, EX 604, TU 580

Commerce Bank VISA secured- $500 cl (2 mths old)
Capital One MasterCard UNSECURED- $1,000 cl (2 wks old)
NFCU Visa UNSECURED- $500 cl (new 1 week)

Uti is currently less than 2%

I'm in the garden for the next year or so, let the cards age and let time do its thing:smileyhappy: any comments welcome!!
(BK7 d/c:08/19/13~FICO-400's)---> EQ 664,EX 650,TU 657
3 major cc/ 8 retail cc= $43,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Valued Contributor
Scupra
Posts: 1,696
Registered: ‎07-12-2012
0

Re: TU disputes...result??- 10pt increase

You may see a drop from your AAoA dropping. Give it time and your score will follow :smileyhappy: Worry about making a good report not so much score right now.
Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
687 EQ FICO 12/2014
680 TU FICO 12/2014
673 EX FICO 12/2014
$14k NFCU Platinum - $25k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival WEMC - $5k Cap1 Quicksilver - $2.2k Amazon Store - $10k Cap1 VentureOne
Valued Contributor
pizza1
Posts: 1,821
Registered: ‎07-17-2013
0

Re: TU disputes...result??- 10pt increase

Thank you Scupra! I plan to garden for at least a year!:smileyhappy:
(BK7 d/c:08/19/13~FICO-400's)---> EQ 664,EX 650,TU 657
3 major cc/ 8 retail cc= $43,300 avail credit; plus a $15k LOC
Total revolving credit reporting is 1%
Valued Contributor
Scupra
Posts: 1,696
Registered: ‎07-12-2012
0

Re: TU disputes...result??- 10pt increase


pizza1 wrote:
Thank you Scupra! I plan to garden for at least a year!:smileyhappy:

Sounds like a good plan! I am trying to make it a year haha Man it's hard to stop from apping for things after reading about everyone's approvals on here.

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
687 EQ FICO 12/2014
680 TU FICO 12/2014
673 EX FICO 12/2014
$14k NFCU Platinum - $25k NFCU cashRewards Sig - $15k NavChek - $6k Barclay Arrival WEMC - $5k Cap1 Quicksilver - $2.2k Amazon Store - $10k Cap1 VentureOne
Frequent Contributor
digitaldiva
Posts: 454
Registered: ‎03-09-2011
0

Re: TU disputes...result??- 10pt increase


Scupra wrote:

Sounds like a good plan! I am trying to make it a year haha Man it's hard to stop from apping for things after reading about everyone's approvals on here.


I felt the same way when I first started to garden....after about two months, it got a bit easier to handle; the first week of December 2013, I'll be app-free two years.



Enjoying your freedom? Thank a servicemember and their family!!!

In the garden since 05 Aug 14...

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}