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Round two, new plan!

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Established Member

Round two, new plan!

I printed my Equifax credit report and then I pulled out my Trans Union and Experian reports after I sent my first round of letters. Trans Union and Experian replied and deleted alot of baddies. Equifax did not. I compared the reports and 7 of the baddies on Equifax were never removed or even validated by them. So, I am going to write again and list the account numbers and reference that the other 2 CRA's have since deleted the information and ask that Equifax do the same.

Whether or not that works, I don't know but I'm sure going to try it. In fact, I don't recall ever getting anything back after the first round of Equifax letters. Secondly, as far as my student loan default goes, I wrote a lengthy letter to the U.S. Dept of Education explaining I am rehabbing the loan(s), and included a copy of my letter to NCO and stated I am making consecutive payments towards the loan. I am asking that they consider my proof and situation and ask that they consider deleting some of the negative information if not all of it. I don't know what they are willing to do but all I know is if I don't ask, I'll never know so might as well try. Hopefully they'll help me out some.

So here we go. Wish me luck please! Thanks to everyone for your support and encouragement!!

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Moderator Emeritus

Re: Round two, new plan!

You'll never know if you don't ask.   Good Luck!!!

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!

June 2017 update: All scores over 820, just pure gardening now.
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