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Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

If you think your baddies are gone for good, they can come back

I had 3 baddies left, was working on my credit daily and checking it daily, last week woke up and My name changed back to a old one. My address changed. And 17 baddies, most have been disputed and deleted returned. I called EQ and they said I had 2 files? I asked them when I payed for them through them was was I only sent one then? They said they are not sure and can't help me. I just got my name and address corrected and one dup baddie removed, they said they can't see if these were removed from my file. I can't believe this happened over night?
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Valued Contributor
clocktick
Posts: 1,604
Registered: ‎12-07-2008
0

Re: If you think your baddies are gone for good, they can come back

17?!  That must have tanked your score!  When you got them removed in the first place, on what grounds were they removed?  Were they inaccurate or legit?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: If you think your baddies are gone for good, they can come back

Yes it tanked I am thinking of freezing it.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Valued Contributor
IOBA
Posts: 2,697
Registered: ‎08-13-2009
0

Re: If you think your baddies are gone for good, they can come back

Definitely opt out of your credit reports!!!!

Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: If you think your baddies are gone for good, they can come back

Sounds like a split file. It can be caused usually by too many soft inquiries. A few cases have been reported where it happened when disputing. Definitely a tough one to fix. If you have your old reports, they can reconstruct it for you. I never went through this, but there are other examples in here of that happening. It may be worth seeing what they did to fix it. Seems like much of the fix was via communication on the phone with EQ.

Mega Contributor
RobertEG
Posts: 17,816
Registered: ‎03-19-2007
0

Re: If you think your baddies are gone for good, they can come back

Prior delinquwncies or derogs reported to your credit file can live forever, and can be reported forever, until the debt is paid.

Debt, and drogs reported to your credit file, have no deletion from credt file inclusion.

 

Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: If you think your baddies are gone for good, they can come back

What will opting out do for me?
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: If you think your baddies are gone for good, they can come back

They merged them but it still has a lot of old medicals that they will not take off thinking of freezing it as it's my lowest score now. I could freeze it until everything drops off.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010
0

Re: If you think your baddies are gone for good, they can come back

[ Edited ]
Having no luck fighting them
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!

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