Reply
Moderator
Shogun
Posts: 12,896
Registered: ‎04-15-2011

30 point jump!!!!

Oh yeah...  Doing the happy dance!!!!  myFICO rocks!!!!!!!!!!!

 

Past week:  

Discover:  Lates removed

Santander #1:  Late removed.  (updated today, just talked to them yesterday)

Santander #2:  Said late would be removed (haven't updated yet)

3 Medical Collections removed.

Portfolio:  Added a collection (Sent DV and awaiting.  Prepared to offer PFD)

 

That's it so far this week!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator
guiness56
Posts: 22,408
Registered: ‎01-17-2008

Re: 30 point jump!!!!

Valued Member
Chelsea12
Posts: 34
Registered: ‎05-24-2010

Re: 30 point jump!!!!

Congratulations on the increase!  Santander is very difficult and that is awesome you got the lates deleted.  I have have 3 30 day lates that reported  2009  that I have been trying to get removed on a loan that I PIF this past Jan and I wanted to know did you send GW letters or were you able to get the late(s) deleted via phone?  If you have any specific e-mail or contact information for someone there would you please PM me the information?  I am trying to get pre qualified for home loan.  Thank you!

Moderator
Shogun
Posts: 12,896
Registered: ‎04-15-2011

Re: 30 point jump!!!!

Chelsea, acutally I just launched an email off their website to their payment department.  I got an email back from them 3 days later with a number to call.  I called the number and got ahold of a nice guy who said he would update my account.  I had two accounts and a late from each one that stemmed from when they switched from HSBC Auto and Citi Auto.  Just talked to him yesterday and one account already updated today.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Valued Contributor
tntexans72
Posts: 1,071
Registered: ‎04-24-2008

Re: 30 point jump!!!!

3 medical collections removed?

It's a blessed day for you !!

 

 

New Contributor
quairosun
Posts: 50
Registered: ‎12-26-2010

Re: 30 point jump!!!!

Can you hit the rest of us who have been through this with Santander the number? You can message it to me. Thanks!


Starting Scores: TU 540 EQ 483 EX 559 (PSECU)
Current Scores: TU 634 (WALMART) EQ 631(MYFICO) EX 654 (PSECU)
Goal Score: All At 700


Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,896
Registered: ‎04-15-2011

Re: 30 point jump!!!!

Please contact Santander Consumer USA Credit Dispute Hotline at       866-923-9282 or  214-237-3430  for further instruction on how to have your credit reporting inaccuracies verified.

 


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator
Shogun
Posts: 12,896
Registered: ‎04-15-2011

Re: 30 point jump!!!!

The guy was super helpful.  I did have a legitimate dispute and am 6 months ahead on current payments.  That might have helped but good luck!.   YMMV


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Moderator
Shogun
Posts: 12,896
Registered: ‎04-15-2011

Re: 30 point jump!!!!

I hope there's no problem with posting the number.  It's a generic number, not to anyone in particular so I don't think it violates anything.  If it does, sorry in advance and I'll take my spanking and learn.  Thanks.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
T50
Posts: 96
Registered: ‎03-04-2009

Re: 30 point jump!!!!

Could you tell me what credit monitoring service you used?  I am currently trying to find one that monitors my score on a daily basis....


Starting Score: 506
Current Score: 565
Goal Score: 700


Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+