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Stay on top of credit reports!!

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RN67
Regular Contributor

Stay on top of credit reports!!

This rebuilding stuff is wearing me OUT!!!   I've got all the baddies off except one. Its a student loan of my ex husbands that I co signed for in 2002. We divorced in 2003.  The loan is currently in default until march 2013.  All the info on my credit reports is correct except a couple of STUPID mistakes.  EQ and Tu reporting loan correctly. EX was until Dec. Loan amt is 15,596.  When they updated they put $ 155,596 instead!!  A typo I'm sure. So I called and disputed. So now bal is correct but they changed  pay status from current to past due 180 days. UGH!! I'm so sick of this.  I also sent a typed letter to all 3 CRA with updated address, number, employment etc.  They have my employer listed as Teri. (which is my first name.)  My address is PO Box 68. They have 68 PO Box 68.  These little stupid things are driving me crazy!!  But the incorrect payment status dropped my score 98 points!!!  These reports are making me INSANE!!!  And when I talked to a girl at EQ about something that should have been deleted in Nov. she was VERY rude.  Anyways, thanks for letting me vent.  The point of this rampage is to stay on top of things. Smiley Happy

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 1 of 8
7 REPLIES 7
BikerMama
Established Member

Re: Stay on top of credit reports!!

Yikes!! Stay strong, all of your hard work and diligence will pay off.




Starting Score: 747
Current Score: 797
Goal Score: 850


Take the myFICO Fitness Challenge

Message 2 of 8
RN67
Regular Contributor

Re: Stay on top of credit reports!!

Thank you, I will. I feel much better now. LOL Smiley Happy

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 3 of 8
Shogun
Moderator Emeritus

Re: Stay on top of credit reports!!

Do I need to hum the theme song to Rocky?   Come, get in the fight!

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.
Message 4 of 8
maluba
Regular Contributor

Re: Stay on top of credit reports!!

I hope everything works out for you! Keep fighting!




Starting Score: 588
Current Score: 610
Goal Score: 650


Take the myFICO Fitness Challenge
Message 5 of 8
RN67
Regular Contributor

Re: Stay on top of credit reports!!

Thanks Shogun and Maluba.  I'm about to give Experian a call.  I hear Rocky in the back ground. LOL

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board Smiley Happy
Message 6 of 8
Epcot
Valued Contributor

Re: Stay on top of credit reports!!

Always good to vent when needed. Keep at it, we are here rooting for you! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 849 EX 835 TU 841
Message 7 of 8
starry1
Valued Contributor

Re: Stay on top of credit reports!!

Great, now I have Eye of the Tiger stuck in my head.  Smiley MadSmiley Very Happy


Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 8 of 8
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