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Contributor
teamgray
Posts: 175
Registered: ‎07-25-2007
0

USCB working my nerves!!!

They put 5 entries of Co-pays that were not taken care of....they only show up on experian....which is the hardest to  get to and get things deleted...whats my course of action Team FICO?


Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

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Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: USCB working my nerves!!!

PFDs.

Contributor
teamgray
Posts: 175
Registered: ‎07-25-2007
0

Re: USCB working my nerves!!!

Should I try and Dispute them first before I send a PFD letter


Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

"The Struggle is real"
Take the myFICO Fitness Challenge



Moderator Emeritus
llecs
Posts: 32,881
Registered: ‎08-04-2007
0

Re: USCB working my nerves!!!

The only time you dispute is if they are misreporting. IMO, even if they were misreporting I wouldn't dispute because that'll increase the odds of them reporting to all 3 CRAs. Plus a dispute will hamper any PFD try.

Contributor
teamgray
Posts: 175
Registered: ‎07-25-2007
0

Re: USCB working my nerves!!!


llecs wrote:

The only time you dispute is if they are misreporting. IMO, even if they were misreporting I wouldn't dispute because that'll increase the odds of them reporting to all 3 CRAs. Plus a dispute will hamper any PFD try.


Good Point. I will approach the PFD angle, and I will update info Shortly...Thanks


Starting Score: 612 EQ 6-1-2013
Current Score: 12-26-13 656 EQ(FICO) 608 TU(FAKO) 632(FICO) EX
Goal Score: 700 FICO on all three by 7/1

"The Struggle is real"
Take the myFICO Fitness Challenge




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