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Regular Contributor
Posts: 227
Registered: ‎04-06-2012
0

REMOVED DISPUTE QUESTION

i just got off the phone about two hours ago with all three CRA (yes its been a long afternoon) i spoke with somebody at equifax first she told me that she put in the request to all three companies to remove dispute comments and that they do all the time and it takes 30 days to get there response.  im pretty sure the lady just initiated a dispute i asked her several times if that was what she was doing and she told me no that she was just requesting the companies remove all dispute comments....  we will see.  

 

next i called experian got in touch with a really nice gentleman who went over my whole report saw the three tradelines with dispute comments on them and told me he was putting in a request that they be deleted.  he told me that it was done internally and that it should take 2-3 business days.  hopefully this works.

 

last but not least i spoke with transunion very nice lady in customer escalations collected my info within three to five minutes she told me all comments have been erased that she had just done it herself.....  AWESOME. 

 

okay so here is my questions.....  why did the other two experian and equifax just delete them like transunion

second question i logged on to my fico about an hour and a half later to view my score imagining the worst that it tanked completely and it didnt the freakin thing went up to a 646......  my jaw dropped.... these accounts that were in dispute were not exactly the cleanest accounts.. major derogs student loan more that 120 days late twice. as well as a sears that was 90 days late last year.......  i checked all the accounts and sure enough in the comments on all accounts there is no dispute information on anything at all......  can somebody clarify if i am dreaming if i should be excited or is my store going to plummet miracuosly in a day or so????  

 

if no i am going to go have a beer and celebrate!!!!

Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
Moderator
Posts: 13,356
Registered: ‎04-15-2011
0

Re: REMOVED DISPUTE QUESTION

They must have helped your AAoA.  Congrats and enjoy the beer!



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 227
Registered: ‎04-06-2012
0

Re: REMOVED DISPUTE QUESTION

I don't know how it's possible I keep thinking I am dreaming. Will I get a boost from all three or just transunion. Also my utilization is high if I pay down to 9% estimator says I will be 685-708. I don't know how it is possible with the lates I have. Any explanations???
Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: REMOVED DISPUTE QUESTION

That's crazy, but congrats! :smileyhappy: Util sure plays a big role, bringing it down you will see a bump in scores.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Regular Contributor
Posts: 227
Registered: ‎04-06-2012
0

Re: REMOVED DISPUTE QUESTION

If the comments are gone that means that is my actual real score right????
Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
Moderator
Posts: 13,356
Registered: ‎04-15-2011
0

Re: REMOVED DISPUTE QUESTION

If the accounts are not in dispute, then yes, that is your actual score.   Decreasing util can give a really nice boost.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
Posts: 227
Registered: ‎04-06-2012
0

Re: REMOVED DISPUTE QUESTION

My util is at 65%..... Even better
Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: REMOVED DISPUTE QUESTION

Congrats

Regular Contributor
Posts: 227
Registered: ‎04-06-2012
0

Re: REMOVED DISPUTE QUESTION

Do you think I will get a bump once dispute comments are gone from all three?
Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
Regular Contributor
Posts: 227
Registered: ‎04-06-2012
0

Re: REMOVED DISPUTE QUESTION

I meant Eq and ex comments removed
Chase Freedom-(1000) BOA 123-(2000) Home Depot-(4000)
Discover IT-(1000) Lowes GE-(1500) Orchard Bank-(300)
Regions Student Visa-(500) Best Buy Reward Zone-(500)
In the garden till 4/01/2015
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