09-22-2016 05:43 PM - edited 09-22-2016 10:41 PM
Do you mind sharing your dispute method, especially with EQ ^^, on here ?
Congrats on getting them removed!
Well, I'm not sure that the EQ Judgement is officially deleted yet, & I can't remember what the choices were actually. I think I chose the judgement was vacated, but I didn't provide any documentation. I also chose something else but I'm drawing a blank on what it was.
I did freeze Lexis Nexis, and chose to opt-out on the public records, though I'm not sure what effect that had on this. I know it can take up to 72 business hours to freeze LN, and I've yet to get any response back on the opting-out, so I'm not even sure if that went through. I think the opt-out has to be ok'd under special circumstances like Identity Theft, however I do remember one of the choices was simply "I do not wish to allow my public records information to be shared by LN", or something to that effect. The freezing took a few minutes(I'm assuming LN is actually frozen) over the phone. They ask info to show you are who you say you are, then she asked why I was freezing, and I told her I had frozen the main bureaus & wanted to do the same with LN to keep the chances of someone opening an account in my name down.
Edit: I tried pulling my 3B from MyFico, but after them charging my credit card, they decided they couldn't verify my info, so I just did a 3B from CCT instead. I'll be watching my MyFico charge on my CC to make sure it doesn't go through.
Anyways, it looks like EQ & TU did delete the satisfied civil judgement, which resulted in a 9 point gain to EQ & a 3 point loss to TU(lol...). All I have left on my reports is a paid medical collection with a late on both TU & EQ. Once I Hippa or GW those off, I should be above 700 on all 3 scores.
09-29-2016 08:57 AM
Congratulations on getting that of EQ as well!
I've ordered, from EQ, my report, and it's been 15 days without receiving it yet !
I can't do the online dispute without those 10 digit report numbers they ask for since they never believe I am who I say I am.
Anyway, good luck to all !
11-03-2016 08:40 AM
11-05-2016 04:37 AM
12-13-2016 06:21 AM - edited 12-13-2016 06:26 AM
Ah thanks for the replies!
I smell a test in the name of science approaching on Friday .
Well I had a 3 month delay on the test in the name of science but... thank you Experian! (even if MF doesn't recognize it yet haha, too quick on that 1B pull thinking those scores look awfully familiar and oh the lien is still listed on that report darn it).
|LOS ANGELES COUNTY RECORDER|
Account Number: SQ2010189....
Sadly not quite sure what I said in the request to get them to trigger it: accidentally added a statement online (I couldn't dispute it) so I called Experian and sheepishly explained what I was trying for and could I have the statement removed... well they removed the statement plus more .
Was scheduled to come off 9/2017 according to an EX report pulled pre-dispute.
Ain't no coal here for Christmas!
12-14-2016 10:13 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.