gained 3 whopping points.

annah · ‎01-14-2008

I HATE EQ! Only fair since they seem to hate me too!

I had 7 inquiries deleted, 2 student loans that were still showing old lates, got those lates deleted, and got a repo removed. Granted, the repo was about 5 years ago, but STILL!

I would have thought, even with old lates, that I would have gained more than 3 points! Especially since the lates on my SLs were multiple 120s!

sunrise · ‎01-14-2008

Hmmmmm, sounds like you are in my paddywagon!! Me, too!! You can catch up on my story on my thread..... "WHAT?!! ***stomping.......

We can wallow in our sorrow together

Sorry for your measly gain...i lost points!!

Message Edited by sunrise on 01-14-2008 04:42 PM

takin' it one day at a time

smallfry · ‎01-14-2008

EQ is like a battleship for me too. TU and EX go up and down depending on my behavior but EQ is immovable. I won't even bother to pull it anymore.

Anonymous · ‎01-14-2008

Sounds like a re-bucket to me.

Keep at it - the ceiling just got raised.

annah wrote:

I HATE EQ! Only fair since they seem to hate me too!

I had 7 inquiries deleted, 2 student loans that were still showing old lates, got those lates deleted, and got a repo removed. Granted, the repo was about 5 years ago, but STILL!

I would have thought, even with old lates, that I would have gained more than 3 points! Especially since the lates on my SLs were multiple 120s!

annah · ‎01-15-2008

I've tried looking through old posts, and I think I understand the concept of buckets.

I haven't figured out though what qualifies for re-bucketing. However, I have just passed the 2 year mark since my bk was discharged. I wonder if that would be enough to make them re-bucket me?

Then again, I've also only had 1 30 day late in the past 2 years also, no other lates. So I suppose that could have done it too, with there being no "major" derogs?

So I suppose that should be a good thing. LOL. I have a good "recent" history! Now that I've just thought of that, maybe I can hope for a better score jump when I pay off some of my ccs!

Anonymous · ‎01-15-2008

You and me both hate Equifax.

Lost 7 points because of 2 inq. that were not mine. disputed and removed but only got 2 points back.

Geesh.