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First decent bump in credit score! But one question?

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Jj1219
Established Member
‎02-22-2013 04:07 AM
‎02-22-2013 04:07 AM

First decent bump in credit score! But one question?

Hi guys!

 

I disputed a bunch of things on my credit report and i got a message from Equifax this morning showing that they deleted 7 collection accounts and my only judgment!  WOOT!  My score went from 493 to 516.  I expected a bigger jump but I will take what I can get.

 

Anyway - do I have to dispute with the other two companies or can I show these results to the other two bureaus?


'Also, what should my next step be?  I only have student loans (pays as agreed) and three charge off accounts, one that will be deleted in the next few days from 1/13.

 

THANKS!

Current Scores: Equifax - 515 | Experian - 508 | Transunion - 527

Starting Scores: Equifax - 493| Experian - 502 | Transunion - 488
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Shogun
Moderator Emeritus
‎02-22-2013 07:16 AM
‎02-22-2013 07:16 AM

Re: First decent bump in credit score! But one question?

The CRAs don't talk to each other.  They don't care what the others do, delete/ don't delete.  You have to treat each one of them differently. 

 

You need some positive TLs.  Do you have any revolving accounts.  Maybe get a secured CC.

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!

June 2017 update: All scores over 820, just pure gardening now.
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