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07-24-2016 09:49 PM
07-24-2016 09:51 PM
08-07-2016 04:48 PM
TU deleted all but ONE baddy SLs! Currently I only have 2 accounts showing on my entire TU report and 1 of them is the CAP1 I just opened last month. Thing is the 1 SL that is left on that report states it was last updated 3 years ago. So I don't know if I missed that one in the dispute until I go through all of my printouts to take a closer look.
I started this journey using FAKOs from CK but decided it was best to get the my true FICO8 scores. So I really started with EQ/528, EX/513, TU/515. With the removal of some of the SLs and my 1st CL in ages now reporting it's first month with a 7% UTL, my scores as of today are EQ/627, EX/606, TU/641.
But wait....the new TLs from my new SL servicer still haven't showed up yet. I went back and read over Malm's post and it looks like Malm didn't see the new SL TLs until 2 payments in. My second payment will be this month. Hopefully by the 1st or 2nd week in September they'll show up.
Now....What do I do from this point in my rebuilding stage? Do I just keep the 1 card for a few months or did I make a mistake by not apping for 3 new TLs at one time? I thought about doing OpenSky but there aren't any rewards or PCs available with that card. I travel a lot so I'd like to have a card that would be useful for traveling.
08-07-2016 09:04 PM
08-07-2016 09:05 PM
08-07-2016 11:07 PM
Congrats on your unsecured Aduke! I'm really nervous of getting denials. I'm not sure who would approve me with only 1 month of good payment history showing on a new account. I say this since it has been made clear by many here that having 3-6 months of payment history in rebuilding has seem to do the trick with regards to your next approval.
TU has the best score (641) but the 2 TLs on there is the new one with only 1 month reporting and the SL which is shows 9 missed payments from 2012-2013. Funny thing is there is no history showing after 2013 which makes me even more tempted to hit the dispute button. I just don't want to inadvertently have them realize that the others were "accidentally deleted" if that's what happened.
EQ is next with (627) but shows 7 closed SLs with 0 balance but 11 missed payments and 2 SLs charged off. (not sure why it's different from the other CRAs). It started out with 15 accounts but 6 were deleted. All of this as an outcome to the rehab and disputes.
EX the worst with (606) showing 5 closed SLs with 0 balance but 10 missed payments (again, not sure why so different). It started out as 11 and again the outcome of the rehab and disputes.
My thinking is to wait until the new TLs kick in (fingers crossed in early September). If they show up on my report dating back to 2008 with no payments missed and pays as agreed, I feel like I may get another boost in my score. If it shows up as 6 TLs that would be even better. Not sure of how much of a boost I would get but if the credit God's love me enough to get me to 680-690, I'm sure I'll feel much more confident to app for an unsecured then.
Or maybe I'm giving this fear of rejection phase to much amo.
08-08-2016 01:04 AM
08-08-2016 01:06 AM
08-16-2016 10:49 AM - edited 08-18-2016 10:07 AM
I joined the myfico club less than 2 weeks and just wanted to say this thread alone helped my transunion score jump 6 points. I rehabbed my loans almost 2 years ago but discovered that tu and eq were still negatively reporting 3 us dept of ed loans. I went online to dispute each one this past weekend and was contacted yesterday by tu that they had deleted all 3. I was also notified by eq that they were under investigation but crossing my fingers for the same result. Just wanted to share my experience and thank everyone for the helpful advice.
8/17/16 update: equifax also deleted the old 3 usdoe loans and my score jumped 15 points. thanks again
08-16-2016 11:35 AM
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