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I was looking to buy a house, on the advice of a friend i pulled my report and was horrified, after doing all the right things my score had dropped. Did some online disputes and was very happy to drop two negatives in 10 days
5/21/2011
Experian 599
Equifax 631
TransUnion 578
6/1/2011
Experian 656
Equifax 725
TransUnion 646
Still have a couple to go, but very happy things are moving in the right direction.
Good luck to you all!
@Anonymous wrote:I was looking to buy a house, on the advice of a friend i pulled my report and was horrified, after doing all the right things my score had dropped. Did some online disputes and was very happy to drop two negatives in 10 days
5/21/2011
Experian 599
Equifax 631
TransUnion 578
6/1/2011
Experian 656
Equifax 725
TransUnion 646
Still have a couple to go, but very happy things are moving in the right direction.
Good luck to you all!
Hi PhelanKell,
Welcome!
Congratulations on listening to a wise friend and pulling your reports. This is a great site to find when you're preparing for a home purchase. Lots of knowledgeable folks here - and they're willing to share helpful info.
Now I'm a little curious about your scores - can you tell us where you're pulling your three scores from?
Hi, I just had the same experience. I disputed an inactive (and I thought Closed) account that I was an authorized user on with my Ex Husband. The account moved from Closed to ACtive, due to this my Debt Ratio Decreased to 17% but my score also dropped by 11 points. I am assuming that once the account (along with the 30/60 day lates) gets removed my Credit File my score will bounce back. Right now my goal is to reduce that Number of Negative Accounts figure by as many as I can. At this point I don't expect a score jump from the deletion of those 30/60 as they are so long ago, I just want the Negative Account number to DROP.
@Anonymous wrote:I was looking to buy a house, on the advice of a friend i pulled my report and was horrified, after doing all the right things my score had dropped. Did some online disputes and was very happy to drop two negatives in 10 days
5/21/2011
Experian 599
Equifax 631
TransUnion 578
6/1/2011
Experian 656
Equifax 725
TransUnion 646
Still have a couple to go, but very happy things are moving in the right direction.
Good luck to you all!
How were you able to get an increase in 10 days? Just curious
GREAT. This just happened to my DH. All I wanted was for the balance to update prior to the OC's regularly scheduled reporting date. Received an alert today that his score dropped from 690 to a whopping 636, all because of this dispute. And we were planning on applying for our mortgage next week, in time before the FHA rates are scheduled to go up on April 1. Awesome.