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OK LO just pulled my credit again to make sure rapid re scoring was accurate. The scores came out to TU: 580 EX: 568 EQ: 591
There are still some things that weren't deleted that should have been deleted they are:
Coll REc Bur: DOLA 03/04/2010- supposed to be deleted, only showing on TU
AFNI: DOLA 08/01/06- supposed to be deleted, only showing on EFX
American cap ENT DOLA 07/31/08- supposed to be deleted, showing on XPN
These are just the collections that should be deleted. The following accounts that are open need some adjustments, they are:
Target Card- CL is $200.00 balance showing is $102.00....should reflect $0.00
Citibank- in 03/2010 it shows as a charge off, and account is still open and paid on time, also in 02/2010 shows 60 days late. Supposed to be deleted, I have paper in my hand.
Does anyone have an idea if this will take me to the 620 I need to buy a home?? I do have other items on my credit some paid in full collections, some unpaid (they are unwilling to deleted.)
It'll be close, but there is a decent chance.... particularly if the Citibank card is reporting to all 3.
Shane,
Thanks a bunch for your responses. Yes the Citi bank (checking plus account) is reporting to all three.