10-29-2012 08:53 PM
Noticed today that sw hasn't updated my score in over 3 weeks. Pulled my EQ bureau and realized that I got my tax lein and judgement deleted (unless its a fluke- but equifax isn't showing it and I have no open disputes at this time). Wondering if they weren't hurting me at all? All I have left for baddies are a 6 year old bk, a couple of 30 day lates student loans/unsec loan and one 60 day lates (most recent 30 was Jan 12 and 30 was over a year ago). I have a few paid medical collections and 2 unpaid (waiting to try a pay for delete on all of the collections before I pay- every med coll on my report is the same CA) and then I have high util. Have paid util from 100% to about 72-74% but hasnt reported yet. Score stuck at 473- up from 416 2 months ago. Everyone cross their fingers that score watch updates soon with some good news. I have my last round of diputes out now (filed today), and Hipaa letters sent too (no reply yet, only a week left on my 30 day deadline).
10-29-2012 08:56 PM
Looks like you have a good game plan going. I expect you'll be getting a good bump pretty soon. Keep at it!
10-29-2012 10:09 PM
11-01-2012 06:02 PM - edited 11-01-2012 06:02 PM
The state tax lien was just a dispute. I filed it as vacated or dismissed and apparently after the 5th or 6th dispute they must have decided to let it go off. I am not really sure. Its just magically gone. I'm not counting my chickens yet as I would not be surprised if it popped back on. Another thing I noticed was my scorewatch alerted to my last disputes, and my score only went up 5 points with those items out of consideration. This is bad news for me. EQ hates us! I have a 615 today on TU, and FAKO EX is 594. I just don't get why EQ is so darn picky. And I have more baddies on EX (but also more good too). Guess I have to hope that utilization is the magic answer I am looking for. We have 4 months as of today before our lender pull for mortgage. Need midscore of 580. I think we will be okay as the scores I am getting on the other bureaus are looking better all the time. New utililization numbers should hit in the next 2-4 days, so we shall see. I will update new scores asap.