How will this improve my credit score?

[Anonymous]

Well...

The $0 balance on my Target CC was finally updated on TU when I updated my Truecredit report today, but it's still not showing on EQ. It didn't even affect my score either.

I haven't been notified on my Score Watch either.

Why would it update on TU, but not EQ? Any ideas?!

[mattmil]

because EQ is very slow with everything -- and they take the longest to raise your score. 

[Anonymous]

 Thanks for the reply!

  That bites though! Hopefully everything will be updated when I can access all three reports again on 08/05. I'm keeping my fingers crossed!

I think I need a support group for nervous, impatient nail-biters who are going through the same thing I am!

[mattmil]

lol -- you've found the support group -- it's called myfico.com!  We've all experienced the anxiety and frustration.  It's a long slow process and I know it's hard to be patient.  What keeps me going is reading about all the success stories people have had in  a relatively short amount of time.

[mocha76]

mattmil, how did you get your scores up so high and so fast?!?!?! Wow, congratulations!!

[mattmil]

thanks!  Here's what I did to move my scores up:

1.  Paid down all CC balances to $0

2.  Disputed a recent 30 day late payment and won (deleted from CR)

3.  Disputed several OCs and won. (deleted from. CR)

4.  Opened an installment loan with USAA a year and half ago (had to get a CD secured loan)

5.  Opened a secured card 2 years ago -- never late.

6 . Opened 3 unsecured cards over the last year and a half -- never late.

7. Paid all OCs that I owed.

What I'm doing now is following in the footsteps of people in these forums -- working to delete all baddies from my CR.  I have disputes going with EQ and TU at this time.  Whatever doesn't get deleted from the online reports I will hit up with DVs and then GW letters and the HIPPA process for one account.  I think you can make the quickest gains through deletion of baddies.

[Anonymous]

UPDATE - and I am in absolute SHOCK!!!!

I just checked my TrueCredit report and FAKO score and was excited then upset.

My TU credit report updated the following:

• My IC System CA was finally deleted
• I had some 30 day lates removed
• The balance on WAM were finally showing a $0 balance - but not deleted (so that's my next phone call!)
• And when I checked my FAKO score it went DOWN 2 points!

I was so upset I immediately came here to buy my REAL TU score and was even more shocked, but in a good way!! My Fico score went up 27 points to 650!!!! I'm so excited and I just can't believe it!!!

The "glass is half empty" side of me is waiting for the other shoe to drop and for something bad to happen, but I'm too excited right now and will Scarlet O'Hara it until tomorrow. Now I just wish EQ would hurry up and update!

Thanks to everyone for all the advice on this board, I never could have done it without all of the help found in here!

07/17/09: TU - 650!!!!   WOOOOHOOOO!!!!

               EQ- 592 - STILL!!! Update already!!

07/14/09: TU - 623

               EQ- 592(STILL!)

07/08/09: TU - 605

               EQ- 592

[RadioRob]

Congrats on the successes!  This is certainly a bit of a roller coaster ride, but just like with a novel...  it's not much fun unless there is a little suspense and drama. 

In the end, it will be worth it.

[llecs]

---

sherristrait wrote:

I was so upset I immediately came here to buy my REAL TU score and was even more shocked, but in a good way!! My Fico score went up 27 points to 650!!!! I'm so excited and I just can't believe it!!!

---

Yet another reason to ignore FAKOs. Congrats!

[mattmil]

Haha -- th esame just happened to me -- I pulled my score at credit Karma and it said it was 596.  Knowing they pull from TU I immediately came here and ordered my TU FICO which was 668.  FAKO scores are truly worthless in every sense of the word.  I'm convinced that FAKOs offer absolutely zero insight into what your actual score are.