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