topic Re: Lose the one and only collection; gain 102 points!!! in Understanding FICO® Scoring

Lose the one and only collection; gain 102 points!!!

haulingthescoreup — Fri, 09 May 2008 23:32:12 GMT

(I put this on Understanding FICO Scoring because of the crazy score bump.)

OK, this is only going to happen if you have the world's most old and boring credit reports, as does DH. The only late he has ever had in his life was on a gas card that we were trying to close because our mail kept being stolen from our mailbox. (This was back in the days of snail mail, children.) His current open accounts are our mortgage, two CC's both at $0, and a line of credit that he didn't even realize that he had, also at $0.

You might have seen on another forum that there was a bogus medical collection put on his EQ and TU (not EX) reports because DD#1 was out of state and had to go to a local ER, and the physician's billing service goobered up their end. Insurance wouldn't pay them, although they did pay the hospital itself, and instead of fixing it, the billers just turned him over to collections, and we never even knew.

I got the insurance company (3 cheers for United Healthcare) to pay the bill, almost 6 years later, even though they weren't the insurance company we had in 2002. I filed, ummm, HE filed a dispute with EQ and TU as paid by insurance. Two weeks ago, I pulled his EQ, and the CA had updated the report to make it look like he had paid them, and showed it as current and paid. I found out the next steps, and they were on my to-do list for this weekend.

But in the meantime, the disputes that I/he had filed were coming up on their deadlines, and we got the e-mail from EQ today, and the CA is GONE!!!! And here's what happened to his EQ:

(sorry, don't know where the imageshack link came from, but that's who I use)

No news from TU yet, with three days to go, but I know what to do if they validate the collection, silly TU. So those of you who are fighting collections that shouldn't be there, keep fighting! Even if you only get 10 points back, it's worth it, and it's possible that it could be a whole lot more.

Re: Lose the one and only collection; gain 102 points!!!

MidnightVoice — Fri, 09 May 2008 23:56:02 GMT

One bad collection, even very old, is huge on a high score. maybe people will start to believe us

Re: Lose the one and only collection; gain 102 points!!!

smallfry — Fri, 09 May 2008 23:56:24 GMT

Very nice Hauling. Well done.

Re: Lose the one and only collection; gain 102 points!!!

Trishco — Sat, 10 May 2008 01:58:53 GMT

Amazing!

I do believe this will give me that extra lil oomph I need to tackle those ridiculous CA's on my report. I each on TU and EQ (different ones) and then both of those on Ex!

Never hurts to try!

Re: Lose the one and only collection; gain 102 points!!!

Anonymous — Sat, 10 May 2008 02:20:57 GMT

Awesome! Nice going!

Re: Lose the one and only collection; gain 102 points!!!

grneydangl — Sat, 10 May 2008 02:52:57 GMT

Congrats to DH (and to you for doing what sounds like most of the work haha) Very nice scores!

Re: Lose the one and only collection; gain 102 points!!!

MidnightVoice — Sat, 10 May 2008 14:13:19 GMT

I bet DH does not understand what you did

Re: Lose the one and only collection; gain 102 points!!!

haulingthescoreup — Sat, 10 May 2008 14:42:49 GMT

@MidnightVoice wrote:
I bet DH does not understand what you did

I tried to explain it with a metaphor about NASCAR restrictor plate racing, and how all the drivers are slowed down by them (whatever the heck they are), but the really good drivers are really slowed down, and when they get to a non-restrictor plate track, the speed of the excellent drivers really zooms up (I was badly floundering at this point), and he fell asleep. Can't say that I blame him.

Re: Lose the one and only collection; gain 102 points!!!

Anonymous — Sat, 10 May 2008 15:11:39 GMT

WTG! Congrats, this is such an amazing testimonial. I am sure he is thrilled.

Re: Lose the one and only collection; gain 102 points!!!

LIGHTNIN — Sat, 10 May 2008 18:19:59 GMT

WONDERFUL thats GREAT!!!

you give me hope--that hard work DOES PAY OFF!!!

Re: Lose the one and only collection; gain 102 points!!!

MidnightVoice — Sat, 10 May 2008 18:32:48 GMT

@haulingthescoreup wrote:
@MidnightVoice wrote:
I bet DH does not understand what you did

I tried to explain it with a metaphor about NASCAR restrictor plate racing, and how all the drivers are slowed down by them (whatever the heck they are), but the really good drivers are really slowed down, and when they get to a non-restrictor plate track, the speed of the excellent drivers really zooms up (I was badly floundering at this point), and he fell asleep. Can't say that I blame him.

MV understands that about as much as your DH understands credit scores

Re: Lose the one and only collection; gain 102 points!!!

haulingthescoreup — Sun, 11 May 2008 15:19:57 GMT

TransUnion has now deleted the collection:

Happy Mother's Day, everyone!

edit to add:I meant to post that all three of DH's reports now include this gem on screen 2:

What’s hurting your FICO® score
Because your FICO® score is exceptionally high, there are no actionable negative factors present with your score. Continue to manage your credit as you currently are doing to maintain your very high FICO® score.

There are no negative reasons significantly affecting your FICO® Score.

The scales on EQ and TU are sitting on the ground on the positive side --very funny (ha-ha) looking.

I have mooched the last sentence as my own long-term goal!

Message Edited by haulingthescoreup on 05-11-2008 08:19 AM

Re: Lose the one and only collection; gain 102 points!!!

Scamp — Sun, 11 May 2008 14:31:49 GMT

WOW!!

What a great Mom's Day prezzie from TU!

Woohoo, HTSU!!!