topic Re: Finally finally finally finally in General Credit Topics

Finally finally finally finally

Anonymous — Tue, 26 Jun 2007 18:52:36 GMT

I just wanted to let you all know that I have finished my disputes/deletions. I started in April trying to remove four items from my credit report and I have been successful.

1. Att: I called the ca and told them that I never had service with ATT. They agreed to delete the item, probably because it was such a low balance of $85.00. I had called them numerous times in the past and had no such luck. I guess I got the right person.

2. Att Home Entertainment: my account was sent to collections because I forgot to turn in the equipment. It was finally turned in but my account was already in collections and on the cb. I called Att Home Entertainment and explained what happened and they agreed to contact CMI to have the item deleted from my cp.

3. Gexa Energy: I was sent to collections because I had a small balance from the apt I had moved out of. I called Gexa and told them that I was not aware that I had a balance from when I moved out. I told them that I would pay the $54.00 if they would agree to contact NCO and have the item removed. They agreed and the item has been deleted.

4. Green Mountain Energy: This was sent to collections because when I moved out of my last apt GM did not disconnect the lights as I asked them to do. I was sent a bill for $234.00 even though I could prove that I did not live there at the time. I filed a complaint with the Public Utilities Comission of Texas and GM took the account back from CSI and my tradeline has been deleted.

Now I know it may seem as if it was easy to have these items deleted. It was not. It took a lot of phone calls and talking to numerous people. I spent a lot of time and energy to get it done. The reality is that I was probably just lucky with some.

In april, according to Scorewatch, my fico was 620 which included all of four of these items. I have not pulled a new score but I am hoping my score has gone up. I am going to wait a little while just to let the fico system catch up to my deletions.

Finally, this board has been a big help in my efforts. Thanks

Re: Finally finally finally finally

Anonymous — Tue, 26 Jun 2007 18:54:18 GMT

congrats--what state do you live in? I'm convinced utility companies in Pennsylvania are too lazy to report to credit beauros. Same with movie rentals--they don't seem to give a Flying F@%k

Re: Finally finally finally finally

Anonymous — Tue, 26 Jun 2007 18:57:22 GMT

WTG....Hope for the rest of us!

Re: Finally finally finally finally

Anonymous — Tue, 26 Jun 2007 19:01:01 GMT

I'm excited for you. And I don't think it was easy at all. Congrats!

Re: Finally finally finally finally

Anonymous — Tue, 26 Jun 2007 19:42:35 GMT

congrats--what state do you live in? I'm convinced utility companies in Pennsylvania are too lazy to report to credit beauros. Same with movie rentals--they don't seem to give a Flying F@%k

I live in Texas. They utilities may not report to the cb but they hire the ca's to report for them. However, the oc does have the power to tell the ca to remove an item from the cb if they want.

Re: Finally finally finally finally

Tuscani — Tue, 26 Jun 2007 20:27:21 GMT

Way to go!

Re: Finally finally finally finally

Anonymous — Tue, 26 Jun 2007 20:57:22 GMT

Does anyone think myscore will go up? If so how much.

Thanks

Re: Finally finally finally finally

Tuscani — Wed, 27 Jun 2007 00:08:16 GMT

loloswims wrote:

Does anyone think myscore will go up? If so how much.

Thanks

Yes. Hard to say for sure. But the important thing is these baddies are no longer holding you back.

Re: Finally finally finally finally

Anonymous — Wed, 27 Jun 2007 01:20:34 GMT

good job.

Re: Finally finally finally finally

Anonymous — Wed, 27 Jun 2007 18:49:29 GMT

How soon after an item is deleted is the fico score recalulated?

Re: Finally finally finally finally

MidnightVoice — Wed, 27 Jun 2007 18:52:34 GMT

As a wise man once wrote:

TheNewWorldMan wrote:
Remember that credit bureaus use different methods to receive and process good versus bad credit information.

Information that would negatively affect your credit rating--like a late pay or charge-off--is instantly beamed from the creditor to the agency via Department of Defense 256-megabit fiber optic lines and written to their servers in 8.6 milliseconds.

Information that would positively affect your credit rating is scribed onto scrolls in special ink by Gregorian monks, which are then painstakingly illuminated. The Credit Scrolls are then placed onto camel caravans which wind their way to the credit bureau headquarters by way of Marrakesh, Dubai, and Tripoli. Once the caravan reaches Equifax, Experian or TransUnion, the scrolls are then laid out in the sun for a week so that the special ink can be read. (Note that the weather around the credit bureau headquarters is notoriously gloomy, like FICO itself, so finding seven consecutive days of sunshine can be quite an ordeal in and of itself.) Only then can the information finally be encoded into your credit files...

Message Edited by MidnightVoice on 06-27-2007 01:52 PM

Re: Finally finally finally finally

Anonymous — Wed, 27 Jun 2007 18:55:22 GMT

lol......can I have a real answer?

Re: Finally finally finally finally

MidnightVoice — Wed, 27 Jun 2007 18:58:34 GMT

It seems to vary between one day and 6 weeks.

Re: Finally finally finally finally

Anonymous — Wed, 27 Jun 2007 18:58:38 GMT

MidnightVoice wrote:
As a wise man once wrote:

TheNewWorldMan wrote:
Remember that credit bureaus use different methods to receive and process good versus bad credit information.

Information that would negatively affect your credit rating--like a late pay or charge-off--is instantly beamed from the creditor to the agency via Department of Defense 256-megabit fiber optic lines and written to their servers in 8.6 milliseconds.

Information that would positively affect your credit rating is scribed onto scrolls in special ink by Gregorian monks, which are then painstakingly illuminated. The Credit Scrolls are then placed onto camel caravans which wind their way to the credit bureau headquarters by way of Marrakesh, Dubai, and Tripoli. Once the caravan reaches Equifax, Experian or TransUnion, the scrolls are then laid out in the sun for a week so that the special ink can be read. (Note that the weather around the credit bureau headquarters is notoriously gloomy, like FICO itself, so finding seven consecutive days of sunshine can be quite an ordeal in and of itself.) Only then can the information finally be encoded into your credit files...

Message Edited by MidnightVoice on 06-27-2007 01:52 PM

ROTFLMAO!!!

Re: Finally finally finally finally

MidnightVoice — Wed, 27 Jun 2007 19:00:38 GMT

It really should go in the Classic Posts Hall of Fame

Re: Finally finally finally finally

Tuscani — Wed, 27 Jun 2007 23:05:05 GMT

MidnightVoice wrote:

It really should go in the Classic Posts Hall of Fame

I may even add it to Scoring 101.

Re: Finally finally finally finally

Anonymous — Thu, 28 Jun 2007 01:34:20 GMT

It should be there.

I thought about asking I could print it out and frame it