Rebuilding Your Credit

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Valued Member
ZiggstergetsaREFI
Posts: 26
Registered: ‎10-17-2012

Goodwill success - maybe

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‎11-14-2012 08:18 PM

Hello everyone. Thanks for all your advice. I lobbied Ocwen to stop reporting ONE 30 day late from my reports. (I had 4 total). They sent me an email cofirming, and said they have no control over how long it will take the bureaus to change the reports. Does anyone have experience as to how long I'll have to wait? Thanks!

 

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Valued Contributor
rckstrscott
Posts: 2,244
Registered: ‎04-25-2011

Re: Goodwill success - maybe

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‎11-14-2012 08:23 PM

svobodny wrote:

Hello everyone. Thanks for all your advice. I lobbied Ocwen to stop reporting ONE 30 day late from my reports. (I had 4 total). They sent me an email cofirming, and said they have no control over how long it will take the bureaus to change the reports. Does anyone have experience as to how long I'll have to wait? Thanks!

 

Usually should see results in a couple of weeks but it can take up to 45 from experience.. Usually changes happen sooner than later, but sometimes you just have to wait it out..

 

-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
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Valued Member
ZiggstergetsaREFI
Posts: 26
Registered: ‎10-17-2012

Re: Goodwill success - maybe

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‎11-14-2012 09:38 PM

Thanks, rckstrscott.

I have a confirmation number from Ocwen, but I'm hesitant to contact the CRA's with it so it doesn't get jinxed!

 
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Regular Contributor
AJC1987
Posts: 128
Registered: ‎03-29-2009

Re: Goodwill success - maybe

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‎11-15-2012 06:08 AM

It will take from 30 to 45 days for the CRA to update their files.

 

Good Luck

Starting Score: 570
Current Score: EQF: 756.... 10.25.2012 TU: 759.....10.25.2012 EXP: 744 (vantage score)..... 10.25.2012
Closed on first house! 12.10.12
Goal Score: 750

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