Wahoo! Transunion Online Dispute results today!!

[Anonymous]

REPORT DATE: 09/13/2014
DISPUTE OPEN DATE: 09/11/2014
NAME: xxxxxxxxxx
ADDRESS: xxxxxxxxxx
COMPLETION DATE: 09/12/2014

ITEM DESCRIPTION RESULTS
DIRECT LOAN SVC SYSTEM # *********** DELETED (Old collection account removed!!) 
UNIQUE NATIONAL COLL # *********** DELETED (Old collection account removed!!) 
US DEPT OF EDUCATION # *********** NEW INFORMATION  (Updated as PIF instead of $3k balance)

But I still have these two old negative accounts:

AMERICAN HONDA FINANCE
Remarks: >SETTLED-LESS THAN FULL BLNC<; >PAID IN FULL/WAS A CHARGE OFF<
Estimated month and year that this item will be removed: 01/2015

US DEPT OF EDUCATION
Account Sale Info: ACCOUNT PURCHASED FROM US DEPARTMENT OF EDUCATION
Remarks: >PAID COLLECTION<
Estimated month and year that this item will be removed: 06/2015

ACCOUNT SUMMARY
Report Comparison Dates Report Changes
Credit Score: Old 751 New 752  How does my score only going up 1 point after deleting 2 old collection accounts AND paying in full a CO student loan????? 
Balances: Old $16,785.00 New $12,980.00 (car loan balance)
Estimated Monthly Payments:  Old: $4,081.00 New: $504.00 (car payment)
Credit Accounts View: Old: 11 New: 9
Open Accounts: Old: 3 New: 2
Closed Accounts:  Old: 8  New: 7
Delinquent Accounts:  Old: 0  New: 0
Inquiries (2 years):  Old: 5  New: 5
Derogatory Accounts:  Old: 4 New: 2
Public Records View:  Old: 0 New: 0

[Amleigh]

Congratulations!

[Anonymous]

Be happy. Min hasn't gone up a notch and I had 5 deleted, 3, removed from file , 2 updated to NO lates and only 1 remains leaving me tih only 1 small negative on my entire report and no score movement.......yet.

[alvon123]

congrats

[Anonymous]

Congrat!

How did you dispute it how did you get those delete from your files? please share.

[Whitneyy]

Congrats!

In the meantime you can request an early exclusion for the one falling off in January next month. For the one for June wait until January (six months prior) and you can request it from that one as well.

[Anonymous]

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@Anonymous wrote:

Congrat!

How did you dispute it how did you get those delete from your files? please share.

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Thanks.  The first one was a charged off student loan that had been paid in full.  I disputed it saying that it was over 7 years old & they deleted it.  The 2nd one deleted I had called them and asked for a DV be faxed or emailed or mailed and they refused even the collection manager refused.  So I disputed & put contacted twice but refusal to verify & they deleted it.

I also asked them to delete the Honda and US Depr of Ed by they are near 7 years etc but they did not... They mentioned those dates though that the remaining two would be deleted due to age.  Overall they were pretty nice.  The dispute took only a few days and was over the weekend.

I'm so close to the last two neg to fall off.  I haven't had a late pmt in so long.  Auto pay for the win.

I cannot wait to stop gardening and get some nice prime cards once these last two are gone.  I have good income but need good new credit accounts.

Hard to type on iPad.

[Anonymous]

How long did the dispute process take?

The way I see it took 2 days, is that right?

[Imperfectfuture]

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@Anonymous wrote:

How long did the dispute process take?

The way I see it took 2 days, is that right?

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Welcome to the forums.

Disputes can take up to 39 days or longer, even if done on the phone.  Depends on the dispute type.