I have recently started with credit repair and subscribed to the USAA monitoring service. I have been disputing 3 charge offs from AT&T that were on all 3 of my reports through EOS CCA. They can't explain these accounts or how I had them, but won't write them off as fraud since they were at an address I lived. However, they were all after I closed a 4th account, and all 3 opened at the same time. Needless to say, I don't think they are mine, and are likely a system or billing error.
Anyway, while waiting to hear back from corporate this week, I pulled my credit report today to find that all EOS CCA references were removed from all 3 bureaus! The great news is that those were the last derogatories on my Equifax report which brought my PLUS score from 552 up to 685! I'm super excited. I am down to just 5 derogatories on my Experian:
- 2 from Creditors Service Burea, which are both under dispute as these are medical bills in my wife's name, which I was never associated with. The other two bureaus have already removed these when I disputed, but Experian is taking longer.
- 1 from HMC group which is my own medical bill from a long time ago which falls off in March!
- 1 from Sunflower Broadband for only $39, my old cable company. I am trying to PFD, but they are ignoring me so far, stays on until 2015, ugh
- RJM Acquisitions, for an overdraft, which I am trying to PFD, and I read they are very open to PFDs
I fully expect to have nothing more than the Sunflower Broadband left by April, and if I get lucky, they will finally PFD. Maybe I will just pay in a month or so and try GWs.
TransUnion is a little worse and they have more of my stuff than anyone. It is a work in progress, and I have still eliminated like 4 derogatories from them in just 4 weeks. Over that time, I have seen my TU FICO go from 599 (lender pull) to 632 (myFico). I so wish I would've realized how important this stuff was years ago.
Starting Score: 500