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Direct Dispute or CRA dispute

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fixmycred14
Established Contributor

Re: Direct Dispute or CRA dispute

@xaiduz114: I know...EQ is too much to deal with but I've come this far...thanks again for all of your advice. I filed my dispute to have the date updated/and the CA removed. I found my credit reports and its clear as day.

 

 


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 11 of 15
xaiduz114
Regular Contributor

Re: Direct Dispute or CRA dispute

Good! Keep us updated on what happens. Smiley Happy I like to hear good news!

Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014
Current Score: EQ 475 | EX 582 | TU 589
Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey!
Collections (MED): DCS Financial (4) | Columbia Collectors (1) |
Dynamic Collectors, Inc (2) | Professional Credit Services (2) |
CMRE Financial Services (1) | Total: 10
Charge-offs: IQCU (1)
Cards I'm aiming to get:
Unitus Community CU SecuredBofA Secured
Message 12 of 15
fixmycred14
Established Contributor

Re: Direct Dispute or CRA dispute

UPDATE: Equifax deleted the collection! I filed a disputed citing the DoFD discrepancy and they promptly deleted the baddie. They emailed me confirmation that it's been deleted. Whewwwww! Thank goodness they didn't drag it out. Thanks, MyFico!!! I couldn't have done it without you.

 

I can't wait to see the score increase. I haven't updated my scores in quite some time. The account was reporting a $10K balance from 2007. It was nowhere near $10K in 2007.


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 13 of 15
xaiduz114
Regular Contributor

Re: Direct Dispute or CRA dispute


@fixmycred14 wrote:

UPDATE: Equifax deleted the collection! I filed a disputed citing the DoFD discrepancy and they promptly deleted the baddie. They emailed me confirmation that it's been deleted. Whewwwww! Thank goodness they didn't drag it out. Thanks, MyFico!!! I couldn't have done it without you.

 

I can't wait to see the score increase. I haven't updated my scores in quite some time. The account was reporting a $10K balance from 2007. It was nowhere near $10K in 2007.


YAY! Never give up. Smiley Happy Glad it was so easily taken care of for you. Let us know what happens with your score! Smiley Very Happy

Starting Score: EQ 478 | EX N/A | TU 540 - 5/2014
Current Score: EQ 475 | EX 582 | TU 589
Goal Score: 700 by 5/2015 - My Credit Rebuilding Journey!
Collections (MED): DCS Financial (4) | Columbia Collectors (1) |
Dynamic Collectors, Inc (2) | Professional Credit Services (2) |
CMRE Financial Services (1) | Total: 10
Charge-offs: IQCU (1)
Cards I'm aiming to get:
Unitus Community CU SecuredBofA Secured
Message 14 of 15
fixmycred14
Established Contributor

Re: Direct Dispute or CRA dispute

Thank you! I will update soon! Smiley Happy


Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Current Score: FICO TU 662 FICO EX 652 FICO EQ 643
Goal Score: 700 CLUB


Take the myFICO Fitness Challenge NFCU nRewards $20K Cap1 Secured $500 NFCU LOC $15K TJX $250 BOA $500
Message 15 of 15
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