11-06-2012 05:13 PM - edited 11-06-2012 05:14 PM
Started with a bunch of collections and really nothing positive. Even though my scores were in the 580's according to USAA, I knew it was a farce when MyFico.com refunded my money because I was "Unscorable" due to no active accts in the past 6 months.
Where I am now !!!:
Deleted: $7000 repossession by Household Bank
Deleted: $50 and $72 medical collections from NCO
Deleted: 3 collections from Progressive Management
Deleted: $1200 BOFA Chargeoff
Deleted: $75 Gas Company Bill
And drumroll for my score directly from MYFICO as of 11/6 = 774 Equifax and 680 Transunion
I still have a long way to go (2 collections on Transunion and 4 on Experian), but I have made a lot of progress.
Tip 1: Don't bother with Experian Online Disputes as they will usually just verify and update the note to say "Verified, Meets Standards of FCA reporting"
Tip 2: Transunion and Equifax seems to be easier to dispute online.
Tip 3: PFD letters do work, mostly when you are willing to pay in full and when the debt is old.
Tip 4: Don't give up and be a little patient. When my first few collections were removed I went app happy and got denied. Those creditors like your credit to be squeaky. It's not worth it to risk the inquiries.
11-06-2012 05:34 PM
Seriously??? Two months?? CONGRATS TO YOU!!! That's excellent progress but now I really feel like an underachiever...
11-06-2012 06:42 PM
thats amazing....great job on the deletions!
11-06-2012 07:44 PM
11-07-2012 10:53 AM
That is awesome!
11-07-2012 10:59 AM
Dec 2012: EX 728/EQ 667/TU 731 VANTAGE 731 CreditKarma 628 UTL >5% Wallet: CapOne $300 - First P $300 - Lowes $300 - Old Navy $400 - JCP $200 - Amazon $1,200 - Macy's $300 - NFCU cashRewards card $7k - PayPal MC $2k -Walmart $900 Successes: EOS-CCA BBB Complaint - GONE Progressive Mgmt Sys DV, Dispute/Insurance Dispute - GONE IC Systems DV,Paid OC,GW - GONE Credit Protection Assoc - CA for BrightHouse - Never Had BH - BBB - GONE Battling: Verizon DV - none, BBB - in progress CRA Dispute - in progress
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO