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Regular Contributor
esmer0924
Posts: 221
Registered: ‎10-03-2011

Re: ISO Dorthy's number - dispute comment removal needed

PM Sent

 


Starting Score: 672 TU, 669 EQ, 659 EX FAKO(10/3/11)
Current Score: 786 TU FICO(5/23/14), 656 EQ FICO (5/23/14), 811 EX FICO (5/26/14)
Goal Score: 720+

Take the FICO Fitness Challenge

Regular Contributor
esmer0924
Posts: 221
Registered: ‎10-03-2011

Re: ISO Dorthy's number - dispute comment removal needed

PM Sent


Starting Score: 672 TU, 669 EQ, 659 EX FAKO(10/3/11)
Current Score: 786 TU FICO(5/23/14), 656 EQ FICO (5/23/14), 811 EX FICO (5/26/14)
Goal Score: 720+

Take the FICO Fitness Challenge

Regular Contributor
esmer0924
Posts: 221
Registered: ‎10-03-2011

Re: ISO Dorthy's number - dispute comment removal needed

PM's Sent

 


Starting Score: 672 TU, 669 EQ, 659 EX FAKO(10/3/11)
Current Score: 786 TU FICO(5/23/14), 656 EQ FICO (5/23/14), 811 EX FICO (5/26/14)
Goal Score: 720+

Take the FICO Fitness Challenge

New Member
hawleys4
Posts: 3
Registered: ‎05-29-2013

Re: ISO Dorthy's number - dispute comment removal needed

Ya'll have been extremly helpful.  90% of goals made so far, we just need them to update quickly.

Regular Contributor
rm3
Posts: 198
Registered: ‎03-02-2012

Re: ISO Dorthy's number - dispute comment removal needed

Anybody have Dorothy's number? I spoke with EX earlier and it was super easy to remove all dispute comments over the phone.
Starting EQ Fico: 536 (3/12)
Current EQ Fico: 649 (9/13)-lender pull
TU Fico: 684 (8/13) 711-lender pull 9/13
EX Fico: 646 (8/13) 655-lender pull 9/13
Established Member
1LNurse
Posts: 54
Registered: ‎04-14-2013

Re: ISO Dorthy's number - dispute comment removal needed

Its closing time for me and I need Dorothy's number for assistance in removing a dispute. Can someone please PM? Thank you so much!

Regular Contributor
Marcos8
Posts: 180
Registered: ‎05-31-2013

Re: ISO Dorthy's number - dispute comment removal needed

Does removing a dispute work the same way as creating one? When I disputed something I did it only with one CRA and the other 2 were notified automatically...or does one have to remove a dispute manually with each CRA? What are the advantages to removing a dispute?

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

Re: ISO Dorthy's number - dispute comment removal needed


Marcos8 wrote:

Does removing a dispute work the same way as creating one? When I disputed something I did it only with one CRA and the other 2 were notified automatically...or does one have to remove a dispute manually with each CRA? What are the advantages to removing a dispute?


When you dispute with one CRA; whatver you are disputed is notified, and they are the ones that report to the CRA that you are disputing the account.

 

You could ask whoever you disputed against, like lets say Capital One, to remove the dispute remarks and they can send that to all three. Or you can work with the CRAs to have them removed.

 

Removing a dispute tag after its resolved is often required to close on mortgages.

 

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

Re: ISO Dorthy's number - dispute comment removal needed

Also, some people just like clean reports with no weird tags.. haha

 

-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
Regular Contributor
Marcos8
Posts: 180
Registered: ‎05-31-2013

Re: ISO Dorthy's number - dispute comment removal needed

Are over 3 year old disputes on a closed mortgage account (paid in full for less than full balance/charge off from short sale) still relevent that removing the diputes would still be worthwhile? ...and neceaasry for a mortgage within the next year?

 

Also, would a FICO score still be at risk of falling after years have past if disputes were removed on closed accounts?

 

Thanks


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