06-09-2013 01:38 PM - edited 06-09-2013 07:40 PM
seems promising that perhaps my letter will get them to remove the negatives.
Update: requested deltion from the CRA's due to violation of SCRA - LVNV has been deleted from equifax, HSBC is pending!
06-17-2013 06:37 PM - edited 06-17-2013 06:38 PM
So I paid all my accounts to 0, sent good will letters to the OC and CA and sent disputes to the CRA's (Experian already deleted the CA's TL, OC's is pending still), my Experian score on this site is 644, Transunion on creditkarma shows 664, Equifax score from myfico however went down 10 points to 572, with this message:
|"This score decrease may be caused by these 4 new reasons:|
Unsure why it is giving me this message as of right now I have 0 balances on all my revolving credit and everything is current. Could it be that by disputing the old accounts its bringing them back into the fold on Equifax?
06-17-2013 06:51 PM
06-17-2013 08:41 PM
it was pretty bad, once I started doing missions in Mosul i didnt have any way to pay the bill that wasn't on billpay (the HSBC) and it went delinquent immediatly. I'd hope a TL consisting of 150 day lates and a charge off being taken off would improve my score! the rest of the CRAs reported massive point jumps. I noticed Equifax also didn't update the balances at 0 like the other CRAs, though - hopefully it updates and stuff balances out.
06-22-2013 12:32 PM
I just recieved a letter from Resurgent Capital in behalf of LNVN saying my debt was settled in full in January 2011 - I paid the bill in November 2009. They did not say if they were removing it from my credit report at all, just that it was paid in full on a date that seemed to be completely random.
Any course of action recommended with this letter?
07-02-2013 07:07 PM
LNvN was removed from my reports, however when I sent a letter to dispute the fact that HSBC told me I couldn't have my rate adjusted to reflect my SCRA benefits upon returning home, the CRA's sent me a letter that said "This creditor is currently reporting a zero balance for this account. If you have additional questions please contact: Capital One ect ect"
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.