@Teardrop wrote:
@Shelly313 wrote:This is a such a great thread I booked marked it! I have some baddies that are suppose to come off in December 2015, so next summer 2015 I will try and do this too. Thanks for sharing this information!
I just put a reminder on my phone for the dates to call. So within the next 2-5 months I should have all the baddies off my credit. Fingers crossed!
Let us know how it worked out for you. I'm hoping all the best for everyone that tries this!
Started Gardening 4/3/2014
UPDate >>>
Since last post I decided that since the debt was mine and only reason I hadn't paid it was b/cause I thought they would reage it on my credit and since it was about to come off didn't want that to happen...Soooo I paid the debt,,yeppp called them up on 4/10/14 or so and paid it in full,talking with them I never acknowledged that the debt was mine.I said " Since this debt has been assigned to me and there is nothing I can do about it I would just like to take care of it to be done with the whole mess.
They sent me a letter next day stating acct. pd in full and that they would update with the CRAs which they did. I meanwhile had sent them a certified letter the same day restating the same thing as the phone conversation also threw in that I didn't even try to negotiate this 6yr8mth debt, so I would appreciate if they would no longer contact me nor the credit bureaus concerning this debt being mine. Walla end of mth it was gone off EQ completely
My score went up 50pts when they reported it pd. with 0 bal. and another 35 when it was removed. Now I have all 3 CLEAN and CLEAR of any baddies.....
FINALLY !!!!!!!!!!
Good Luck to all and keep trying never give up,,you will reach a decent rep sooner or later, EQ was the hardest one for me..
@ Duckster: When I called EX,EQ and TU I used the report numbers I was given when disputing them. You also can use that same report # for 60 days anyway.
Also I don't know if you know or not but everytime you are declined for CL inc. or the best terms(apr) on a card u apply for you can get a new report then too.I have got a new report number that way too.
Congrats!
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.
anybody have any new updates? I put in thru their websites. I only tried TU and EQ. I didnt have a current EX credit report to work off of. I have gotten a couple emails saying they were still working on them. I noticed on my eliminateidtheft.com site that EQ has already removed them but that may just be under investigation. My EQ/MyFico score took a 16 pt hit when I submitted the request. I hope I didn't screw up.
Starting Score: 
I called TU this AM and spoke with an Indian gentleman. Told him that I would like an early removal of an account that will fall off in the next 5 months. He looked at my report and confirmed that it will fall of in 5 months but refused to put in a request for early removal. Stating policy that it will fall off in 7 years from dofd and an early removal was not possible.
Ill call back later in the evening and see how i goes.
