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Transunion Dispute Success!

Established Contributor

Transunion Dispute Success!

I disputed a few collection accounts on my credit reports, and Transunion came back first with 2 accounts deleted. I started with 11 collection accounts total, now its down to 8 (I don't know what happened to the 3rd account that disappeared from my credit report. Oh well!), with 6 falling off by July 2013. The two accounts that were deleted by Transunion were scheduled to fall off in 2014 and 2015. Valid or not, they're gone now! My mortgage application may come sooner than anticipated! Woman LOL


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 1 of 10
9 REPLIES
Valued Contributor

Re: Transunion Dispute Success!

Nice progress, Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 10
Established Contributor

Re: Transunion Dispute Success!

That's awesome! Just remember if they weren't scheduled to fall off yet that they could pop up again some time, but a victory right now is a victory!



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 3 of 10
Established Contributor

Re: Transunion Dispute Success!


sphinx313 wrote:

That's awesome! Just remember if they weren't scheduled to fall off yet that they could pop up again some time, but a victory right now is a victory!


Even though the CA didn't validate?


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 4 of 10
Established Contributor

Re: Transunion Dispute Success!

Well I'm not saying with the SAME CA, but a different one. A valid debt is a valid debt, and someone may find the shoebox it was hiding in one day and try to collect on it. Until the 7.5 years is up you should always consider the fact that it COULD appear.



Starting Score: EQ: 383 2/2011
Current Score: TU: 644 EQ: 648 EX: 6?? 2/2015
Goal Score: 700


Take the FICO Fitness Challenge
Message 5 of 10
Established Contributor

Re: Transunion Dispute Success!

Congrats on your progress so far. Smiley Happy


Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Message 6 of 10
Moderator Emeritus

Re: Transunion Dispute Success!


sphinx313 wrote:

Well I'm not saying with the SAME CA, but a different one. A valid debt is a valid debt, and someone may find the shoebox it was hiding in one day and try to collect on it. Until the 7.5 years is up you should always consider the fact that it COULD appear.


+1  Any unpaid debt has a chance of surfacing at anytime, and usually will at the most inopportune time.

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 7 of 10
Valued Contributor

Re: Transunion Dispute Success!

Not just an inoppurtune time but when you apply for a mortgage the CRAS send notice to debt collectors when there is certain activity on your reports such as a mortgage inquiry.  If i could I would not app for mortgage until last second and request an immediate close if they want the business. LOL


Starting Score: 0
Current Score: TR??FICOEQ ?? FICO
Goal Score: 760

Lowes7,000 Discover More 2800. Jcpenny 6,000
Chase freedom 800 Never take NO for an answer!!
Message 8 of 10
Established Contributor

Re: Transunion Dispute Success!

Wow. Thanks for all the comments and advice. My fingers will stay crossed...


Starting Scores: (4/16/12 lender pull) TU 596 | EX 550 | EQ 576
Current Score (9/3/15): Wally TU 639 | Amex EX 628 | DCU EQ 639
Goals: Homeowner as of 9/27/2013. Last app 8/1/15. TU-5; EX-16; EQ-13. Aiming for ZERO inqs.
Message 9 of 10
Moderator Emeritus

Re: Transunion Dispute Success!

My fingers will be crossed with you!!!

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 10 of 10