Maybe it’s luck, maybe it’s foolish

[Anonymous]

Awesome job and welcome!  

[Anonymous]

Congrats OP!

[KSK1912]

Awesome Job OP. You have walked pretty much thru same path as i did, and you have done an incredible job. I know exactly how you are feeling because i am still going thru the same thing as you are. I do have one question to you. Just like you did, i cleaned up everything off of my credit reports, except one Judgement on EX which dates all the way back to Jun 22, 2010, and it is a paid in full jusgement and marked so on my credit report. Even though it is paid, it is holding my score down a lot, and as per fico score simulator, when i hit 800 score with EQ and TU i will be just above 700 with EX. So the higher my scores get, the bigger the score gap between the EQ/TU and EX. I wanted to ask you how did you get the judgement deleted? I have done everything as far as disputing it, getting Lexington law firm to work on it couple months, but i had no luck. If you could tell me what you did to get yours deleted i really appreciate it. Thanks, and congrats  again on your great success!

[Anonymous]

I am not quite sure why the judgement got deleted. I dd not have any supporting documentation when I sent in the dispute. I must have just got lucky! Plus it was back in '09, so maybe they could not verify the data...

Good luck to you tho!

-Jacob

[Anonymous]

Congrats on all of the approvals. You have some great cards now. 

I would use them, but PIF so you don't accumulate any more debt. Your scores will come up as the accounts age and your util stays low.

[KSK1912]

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@Anonymous wrote:

I am not quite sure why the judgement got deleted. I dd not have any supporting documentation when I sent in the dispute. I must have just got lucky! Plus it was back in '09, so maybe they could not verify the data...

Good luck to you tho!

-Jacob

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Called EX on friday and decided to ask for EE. Since the PJ had about 15 months left, i was expecting a big fat NOOO but when i told the lady i did not even receive a paperwork for the court, but still paid the judgement, she deleted it in 2 mins. 20 mins after that, i pulled a 3b on my fico, and it was gone. The funny thing, after the deletion, score went down about 15 points

[DoroLucky]

Love it.....these stories (the way it's narrated) makes me laugh lol. Congrats OP!