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Contributor
Erika3o3
Posts: 103
Registered: ‎05-04-2010
0

Yay got 2 negatives removed!

I had to paid debts on my Credit Report (Equifax). ( i have a lot more non-paid that im working on) anyways 1 was Tmobile and the other was comcast.  The debt for both totaled 1479. I disputed them with equifax, and I finally got my email that the dispute was done. They have both been removed! YAY! I also dispute these 2 with the other bureau's but they didnt delete them. So should I go about getting them removed from the other 2 bureau's??


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Valued Contributor
Burned2manybridgesB4
Posts: 2,306
Registered: ‎03-15-2012
0

Re: Yay got 2 negatives removed!

What was your reasoning for disputing?
RIP: AxHH (11-25-14)

Contributor
Erika3o3
Posts: 103
Registered: ‎05-04-2010
0

Re: Yay got 2 negatives removed!

For comcast, I disputed because I payed that account before it went to collections. For Tmobile it was because when I paid them I was told it would be removed from my Credit File.


Starting Score: EQ FICO 559
Current Score: EQ FICO 569
Goal Score: 750 All
WF Secured (300)
Member
Zcl1995
Posts: 5
Registered: ‎04-10-2013
0

Re: Yay got 2 negatives removed!

That is awesome! I'm new to the forum and just reading how other people are working to rebuild their credit is giving me hope! I have a charge off that I'm working to have removed from GM Financial. The last delinquency was in 2007, my last payment was in 2010 (I attempted to pay off the debt)... Will this charge off fall off from the 2007 date or the 2010 date? I'm trying to determine what action to take that is best. Help!
Moderator
guiness56
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Yay got 2 negatives removed!

It is excluded 7.5 years from the DoFD.  That is based on the date of first delinquency that lead to the CO.

Contributor
Erika3o3
Posts: 103
Registered: ‎05-04-2010
0

Re: Yay got 2 negatives removed!

+1 to guiness.  

 

Have you payed off the debt yet or has it not been payed?


Starting Score: EQ FICO 559
Current Score: EQ FICO 569
Goal Score: 750 All
WF Secured (300)
Senior Contributor
DaBears
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Yay got 2 negatives removed!

Congrats on the deletions!!!! If they sent you deletion letters confirming it I would fax them to the 2 bureau's I can take up to 60 days for removals.james3.gif

Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Yay got 2 negatives removed!

Well done, Congrats on getting them removed! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
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New Member
macdqt1
Posts: 3
Registered: ‎04-09-2013
0

Re: Yay got 2 negatives removed!

congrats on your deletions! I've been working on my credit for 6 months and I feel that equifax is actually the easiest to get the right information in and quicker... the worst being experian.  I would actually reccomend doing them by certified letter since if you do it online they only allow you to dispute once and that's it.  


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