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So close to winning dispute!! TIme countdown, going a little crazy!!

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zsepthenne
Regular Contributor

So close to winning dispute!! TIme countdown, going a little crazy!!

I disputed the status of two of my discharged school loans that were showing up with a current pay status of 120+ days late. They should be showing up at least as assigned to government, at the very least. I disputed with TU an EQ. The furnisher has until 11/27 to respond to TU, and 11/26 for EQ and 12/4 for one I had to submit online as they didn't file for the two loans. I'm in a race with time and it's driving me CRAZY lol!!! Am I alone with this experience? Do most of your furnishers respond promptly generally? I suppose I'm searching for some answer that I really just have to wait for...Cat Sad

Beginning Scores 9/2013: EX 651, TU 639 Short term goals: Scores in the mid 700s 1/15 TU08 701| 4/2018 TU08 800!! |11/2019 TU 785
CapOne Quicksilver $5000 | Barclaycard Rewards Mastercard $6900 | Amex Everyday $15000 | Discover It $13000 | Cap One Walmart Mastercard $8000 | BofA Cash Rewards $3200 | CareCredit $7200 | Citibank Double Cash $10500 | Chase AARP $5500
Message 1 of 4
3 REPLIES 3
newmomnewme
Valued Contributor

Re: So close to winning dispute!! TIme countdown, going a little crazy!!

Smiley Happy I am sitting right next to you in a very crowded WAITING boat. I have 3 CAs on my report each has two accounts...that makes 6 accounts  Smiley Sad

 

I am waiting for results of BBB Complaint and CRA dispute for Midland. Yesterday I rejected their offer via BBB and CRA disputes should be completed 12/4.

 

I am waiting for results from a CFPB complaint and CRA dispute with Portfolio Recovery for inaccurate reporting of information. CRA dispute completed 12/4

 

Yesterday I sent GW (4th times a charm) to FCO ( 2 joint liability for broken apartment leases)...other parties paid NOTHING. I am waiting to hear back (rejected 3x already)

 

Monday, I sent copies of the vacated judgment to CRAs.  I will be waiting for my CR to be updated...maybe in 2 weeks or so??

 

...Be encouraged. At least we are rebuilding our credit instead of doing nothing and complaining about getting sued or denied credit!!!! Yay myFico!!!! I am trying. 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
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Message 2 of 4
KoolDev
Regular Contributor

Re: So close to winning dispute!! TIme countdown, going a little crazy!!

Keep the faith thru the ups and downs !

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 3 of 4
zsepthenne
Regular Contributor

Re: So close to winning dispute!! TIme countdown, going a little crazy!!

Oh gosh newmom you have a lot going on! That's awesome that you're being so proactive. I really need to start my GWs next. I'm torn between disputing one batch of school loans that are showing up as a paid collection instead of assigned to goverment. Don't even know if changing that status would make a difference?

Thank Kool it feel really good to take care of these things. Keeping the faith!

Beginning Scores 9/2013: EX 651, TU 639 Short term goals: Scores in the mid 700s 1/15 TU08 701| 4/2018 TU08 800!! |11/2019 TU 785
CapOne Quicksilver $5000 | Barclaycard Rewards Mastercard $6900 | Amex Everyday $15000 | Discover It $13000 | Cap One Walmart Mastercard $8000 | BofA Cash Rewards $3200 | CareCredit $7200 | Citibank Double Cash $10500 | Chase AARP $5500
Message 4 of 4
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