01-17-2013 02:22 PM
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!!!!
01-17-2013 04:10 PM
They must have helped your AAoA. Congrats and enjoy the beer!
01-17-2013 04:19 PM
01-17-2013 04:22 PM
01-17-2013 04:29 PM
01-17-2013 04:30 PM
If the accounts are not in dispute, then yes, that is your actual score. Decreasing util can give a really nice boost.
01-17-2013 04:44 PM
01-17-2013 04:46 PM
01-17-2013 04:47 PM
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.