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Contributor
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??


Starting Score: EQ FICO 559
Current Score: EQ FICO 569
Goal Score: 750 All
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Valued Contributor
Posts: 2,424
Registered: ‎03-15-2012
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Re: Yay got 2 negatives removed!

What was your reasoning for disputing?
Contributor
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)
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Member
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!
Epic Contributor
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
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
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
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Yay got 2 negatives removed!

Well done, Congrats on getting them removed! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Member
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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