63 point bump and questions

[Shokk]

I've been at this about 3 weeks now.  Started my journey on 6/15.  Pretty much disputed everything on my credit reports, and waiting to let the dust settle due to the inaccuracies and differences across the 3 bureaus.  I have an account with EQ, so can update my CR daily if desired.

So far: 3 charge offs deleted, and one PFD took me from a 503 EQ to a 566.  Not all of the disputes have finished.

I'm thinking of doing 623 letters with the OCs that verify.  All the ones I've talked to so far say they have no information because they sold the account. All they can see that I indeed had an account at one time.  Good idea?

See the TLs below.  What does this update mean?  Notice several lates are removed, but still shows charge off (which is correct).  Why does it show payments through 2013 when there's been no payment since 2008? Does this mean they don't have enough supporting information?

Original TL first and updated follows.

Account Number:		Status:	CHARGE-OFF
Account Owner:	Individual Account.	High Credit:
Type of Account :	Revolving	Credit Limit:	$0
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	01/28/1999	Balance:	$0
Date Reported:	06/28/2013	Amount Past Due:
Date of Last Payment:	10/2008	Actual Payment Amount:	$187
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	05/2009	Months Reviewed:	99
Creditor Classification:		Activity Designator:	Transfer/Sold
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	12/2008
Comments:	Consumer disputes - reinvestigation in progress, Account closed at consumers request

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2013

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*

*

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2012

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2011

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2010

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2009

60

90

120

120

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2008

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30

2007

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30

30

30

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2006

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Account Number:		Status:	CHARGE-OFF
Account Owner:	Individual Account.	High Credit:
Type of Account :	Revolving	Credit Limit:	$0
Term Duration:		Terms Frequency:	Monthly (due every month)
Date Opened:	01/03/1999	Balance:	$0
Date Reported:	06/03/2013	Amount Past Due:
Date of Last Payment:	10/2008	Actual Payment Amount:
Scheduled Payment Amount:		Date of Last Activity:	N/A
Date Major Delinquency First Reported:	05/2009	Months Reviewed:	99
Creditor Classification:		Activity Designator:	Transfer/Sold
Charge Off Amount:		Deferred Payment Start Date:
Balloon Payment Amount:		Balloon Payment Date:
Date Closed:		Type of Loan:	Credit Card
Date of First Delinquency:	12/2008
Comments:	Account closed at consumers request, Paid charge off

81-Month Payment History

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2013

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2012

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2011

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2010

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2009

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2008

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2007

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30

30

30

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2006

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[Shokk]

Here's a similar one from Chase.  The dates don't make since.  DoLP 11/2009, but shows pays as agreed through 2010 when charged off.

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2013

*

*

*

*

*

2012

*

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*

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*

*

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2011

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

CO

2010

60

90

120

150

CO

CO

CO

CO

CO

CO

CO

CO

2009

90

120

120

120

*

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*

*

*

30

2008

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30

60

2007

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2006

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And...

Year

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

2013

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2012

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2011

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2010

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2009

90

120

120

120

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2008

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30

60

2007

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2006

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[guiness56]

This account is an OC account and you had disputed it.  When you dispute an OC account certain aspects of the account are removed from scoring.  This was the first TL you posted.

The second one, the dispute comment is removed and it shows paid.

I would venture a guess this is where the score bump came from.

[Shokk]

I'll take whatever bump I can get.  I have 3 CAs who haven't responded to my DV letters. Only Portfolio did, and didn't completely validate. The others have 11 more days, then I send my second letter, assuming they confirmed via my online dispute.  We shall see.