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Contributor
ElMayimbe
Posts: 82
Registered: ‎03-15-2012

Deletions

Yesterday I received a letter from TU letting me know they've deleted two charged off collections accounts from my credit report, I expect the same from EQ shortly. I've been waiting to purchase my TU and EQ to see update and I've been tracking with creditkarma. How long before deletions take effect? 

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Contributor
ElMayimbe
Posts: 82
Registered: ‎03-15-2012

Re: Deletions

I decided to update my TU credit report YEAH BOY! went from 623 TU to 688 TU!!
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Deletions


ElMayimbe wrote:
I decided to update my TU credit report YEAH BOY! went from 623 TU to 688 TU!!

CONGRATS!!!!




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Mega Contributor
RobertEG
Posts: 17,456
Registered: ‎03-19-2007

Re: Deletions

Why were they deleted?  Was deletion the outcome of a dispute?

 

If the collections were deleted for reasons other than a dispute, they can be reinserted without any special showing on the part of the party reporting the collection.

Maybe they sold the debt to another debt collector, and deleted their prior reporting simply to be rid of any further FRCA disputes. In that case, nothing would prevent a new debt collector from reporting.

I hope its really dead......

Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: Deletions


RobertEG wrote:

Why were they deleted?  Was deletion the outcome of a dispute?

 

If the collections were deleted for reasons other than a dispute, they can be reinserted without any special showing on the part of the party reporting the collection.

Maybe they sold the debt to another debt collector, and deleted their prior reporting simply to be rid of any further FRCA disputes. In that case, nothing would prevent a new debt collector from reporting.

I hope its really dead......


I agree with Robert as per usual.

 

I am always cautious about the deletions I achieved before I was armed with the knowledge here.. I had a couple that I didn't pay come back time and again, even after getting deletions. They will get resold, and another company can place it. I have paid (I think) every account possible now. So hopefully going forward I'll be set.

 

I am not saying it will happen. You should be pleased about the deletions. Just be mindful of this.

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Moderator
LIGHTNIN
Posts: 4,047
Registered: ‎03-24-2008

Re: Deletions

The 2 CO's you were a AU on and by removing your AU status will jump your CS. Congrats to YOU!!

Dont worry about the CO's coming back on your CR's.

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: Deletions

Lightnin;

 

Did I miss something about these being AU? I didn't see any mention of these being AU on this thread... was it in another one?

 

Reason being: I most definitely had a CO come back on my credit report, HSBC, several months after I successfully disputed the trade line through the CRA. I just disputed the account frivolously as not mine (before coming to this forum)

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Contributor
ElMayimbe
Posts: 82
Registered: ‎03-15-2012

Re: Deletions

@Robert Yes, I began cleaning up my credit report in January starting with average FICO 577. I succesfully GW one collection from AFNI and disputed 2 authorized collection/charge offs all three deleted. Got my letter from TU this past Thursday confirming, just waiting on EQ now. I updated my TU and my score jumped 65 points from 623 to 688!

BofA Amex $7500| Discover IT- $10K| Chase Sapphire Preferred $10k | Cap One $2000| Citi Hilton Reserve $10k
Valued Contributor
rckstrscott
Posts: 2,659
Registered: ‎04-25-2011

Re: Deletions


ElMayimbe wrote:

@Robert Yes, I began cleaning up my credit report in January starting with average FICO 577. I succesfully GW one collection from AFNI and disputed 2 authorized collection/charge offs all three deleted. Got my letter from TU this past Thursday confirming, just waiting on EQ now. I updated my TU and my score jumped 65 points from 623 to 688!



Oh yeah.. you have no worries on those AU accounts.. they will not come back

 

-scott

Starting FICO Score: 10/10: TU 498 | EQ: 502 Current FICO Score(lender pull): 05/12: TU: 722 | EQ: 712 | EX: 686
Collections Removed: Hunter Warfield, CBE Group, Merchants Credit Guide, EOS-CCA, Enhanced Recovery, Portfolio Recovery, UCB, American Collection Company, Medical Business Bureau, Jefferson Capital, Credit Portfolio Associates, FCO, LVNV, Convergent, Armor Systems
Other Negative Entries Removed:Plains Commerce CO, HSBC CO, 2008 Judgment Santander Reposession

Still Working On: Illinois Paid Tax Lien,
Positive Accounts:10/10: 0 | 07/12: 6 | Mortgage Closed 5/12, Macy's AMEX $3900, Citi/Home Depot $2000, Capital One Cash Rewards $1500, Capital One Secured $500, Credit One Bank $500. Total Utilization: 6%. AAoA: 1yr, 7mth. INQS: 8 TU, 8 EQ, 4 EX
Contributor
ElMayimbe
Posts: 82
Registered: ‎03-15-2012

Re: Deletions

It feels so good to know I'm 12 points away from 700, although my goal is 720+ across all three. I think when you go from having very poor credit to good/great credit you appreciate it more, looks like that house in 2-3 years is a reality not a fantasy!

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