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New Contributor
Posts: 68
Registered: ‎04-16-2013

Toughest bureau for deletion

What credit bureau was your most difficult to get to delete items?
Life is about decisions good ones and bad ones, we will prosper when we make more good ones than bad ones.
Frequent Contributor
Posts: 389
Registered: ‎07-09-2012

Re: Toughest bureau for deletion

For me it is EX and TU.    EX probably a little more difficult than TU.


EQ has been the easiest for me.  I call them and they delete stuff.  Like them.

June '12: EQ 553 TU 0 EX 545
April '13 Lender Pull EQ 731, EX 692, TU 722 - all FICO

Closed on home May 22, 2013 at 2:00pm!!!
CU Visa $1000, VS $350, Chase Freedom $1000, Discover IT $2500, Home Depot: $2700, Menards $3000, NFM $3500
What's been deleted: 32 collections, 5 PR, 2 tax liens, defaulted student loans
New Contributor
Posts: 68
Registered: ‎04-16-2013

Re: Toughest bureau for deletion

I just called eq today and from what I gathered they will just delete the items I told them without the dispute process
Life is about decisions good ones and bad ones, we will prosper when we make more good ones than bad ones.
Regular Contributor
Posts: 116
Registered: ‎11-27-2012

Re: Toughest bureau for deletion

TU for me but take in mind that everyone's situation is a bit different.

"just trying to get my credit up..."
Moderator Emeritus
Posts: 14,051
Registered: ‎04-15-2011

Re: Toughest bureau for deletion

EX for me.

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!
Valued Member
Posts: 33
Registered: ‎03-29-2013

Re: Toughest bureau for deletion



EQ was the easiest for me. 

Starting Score: 550
Current Score EQ: 688 Sep/7/13
Current Score TU: 686 Sep/7/13
Goal Score: 720

Take the myFICO Fitness Challenge
Established Contributor
Posts: 502
Registered: ‎04-17-2013

Re: Toughest bureau for deletion

[ Edited ]

Well, I'll throw my experience in the mix. EQ has been the toughest, but TU has been the easiest then EX.

2010: 475 EQ 2011: 503 EQ 2012: 600 EQ2013:632 EQ
Starting Score: 634 EQ-3/13/13
Current Score: 706 EQ-8/29/13 703 EX-7/12/13 705 TU-8/9/13
Goal Score: 700

Take the myFICO Fitness Challenge
Posts: 120
Registered: ‎04-23-2013

Re: Toughest bureau for deletion

How do you get things deleted from EQ so easily? I've got two Midland accounts that are only reporting on EQ. i disputed them on all 3 about 6 months ago. EX and TU delted them, but EQ said they were valid.

Starting FAKO scores: EQ: 566, EX: 566, TU: 569 (27 Apr 2013)
Starting MyFICO scores: EQ: 618, TU: 544 (4 May 2013)

Current FAKO scores: EQ: 625, TU: 653 EX: 662 (2 Mar 2017)
Current FICO Scores: EQ: 665, TU: 659, EX: 650 (9 Mar 2017)

Goal: 650 REACHED!!
New Goal: All 3 in the 700 Club!
Established Contributor
Posts: 888
Registered: ‎09-10-2010

Re: Toughest bureau for deletion

EQ definitely for me is the toughest.  TU and EX reported back after a dispute over a balance on a CO that the debt was forgiven and they removed the balance.  However, after two rounds with EQ they tell me that they investigated and the balance is correct.  I sent back a copy of the 1099 and requested that they provide the method and details of their investigation, but they have not.  It falls off in January anyway, so I am probably done wasting stamps and effort over their reporting.  I'm in the garden anyway.

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15

Senior Contributor
Posts: 3,548
Registered: ‎11-30-2007

Re: Toughest bureau for deletion

TU deleted something early for me.  EX is a pain, but I don't really bother with them too much.  Who really pulls EX?

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