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Valued Member
favored12
Posts: 33
Registered: ‎08-29-2012
0

Success with inaccurate reporting!

My experian report is currently sitting around 604 ish. I recently had a collection deleted through online dispute with enhanced recovery. I also had a medical bill showing the same exact amount reported twice by the same collection agency. I did some research and come to find out bill being reported twice is an error and the initial bill should have been paid by my insurance company at the time. The hospital admitted to the error and will be writing off the charge because its past the timely filing deadline (2009 date of service). They will be contacting the collection agency to pull back both items from my report. I am so happy!! I'm hoping to see a NICE jump in score bump after that's deleted! I am PUMP! Lol

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


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Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Success with inaccurate reporting!

Congrats!!!!


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+

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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!
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Success with inaccurate reporting!

It's the small victories that help us win the war.

 

Congrats.


Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Valued Contributor
Epcot
Posts: 2,790
Registered: ‎10-10-2012
0

Re: Success with inaccurate reporting!

That's great, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Member
favored12
Posts: 33
Registered: ‎08-29-2012
0

Re: Success with inaccurate reporting!

Thanks all! The reason I'm so happy is because experian kept verifying the info as accurate every time I disputed it online. Thanks to the boards though I realize online disputing is not the way to go and this is a great example of why!

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


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Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
0

Re: Success with inaccurate reporting!


favored12 wrote:
Thanks all! The reason I'm so happy is because experian kept verifying the info as accurate every time I disputed it online. Thanks to the boards though I realize online disputing is not the way to go and this is a great example of why!

So did you end up writing a letter to EX?  Did you handwrite it?

 

BTW, does anyone know if the scanners can read a handwritten FONT?  I have some that look just like handwriting and if the computer can't scan them, that would be perfect!

Valued Member
favored12
Posts: 33
Registered: ‎08-29-2012
0

Re: Success with inaccurate reporting!

No I learned about the handwriting thing after I did the online disputing. By that time experian had already verified the inaccurate info (probably automatedly) so I didn't bother trying to write them a handwritten letter. If the info isn't deleted timely I will follow up with a written letter.

Starting Score: EQ-485 TU-558 EX-576 AUG2012
Current Score: EQ-533 TU-621 EX-644 NOV2012
Goal Score: 700


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Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Success with inaccurate reporting!

Congrats

Regular Contributor
Rlandon87
Posts: 153
Registered: ‎10-03-2012
0

Re: Success with inaccurate reporting!

Congrats! Let us know what kind of bump you get
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