topic Re: 2010 Excitingly Anticipating . . . in Rebuilding Your Credit

2010 Excitingly Anticipating . . .

hotpoint — Tue, 02 Mar 2010 02:42:23 GMT

Hello,

I wanted to share the advantage of this site coupled with patience. I have 7 accts. w/Experian, 6 w/Transunion and 4 w/Equifax . . . all baddies, i.e.. CO, which are scheduled to drop this year. Please keep in mind each acct. is listed w/all three CB.

Recently, I contacted Transunion via phone and they deleted two accts. w/Capital right on the spot. Most of the accounts are scheduled to drop between March - Oct. This morning I called Experian, to find out what time during the month would the accts. drop from the report. I spoke with a person that was having a really bad day (attitude) so I hung up the phone, but called back and I was blessed to speak with a very pleasant person. She submitted a request to have the acct. deleted, and mentioned I would receive an email showing the deleted acct. ---- and I did. I also noticed (on the new report) that another acct., which was previously scheduled to drop mid this year had re-aged to drop Mar. 2010. After reviewing that report, I called back and they submitted another request to have the acct. dropped. Wild! Out of the 17 accts. 5 were deleted several months early.

At this point I am not concerned about my digits/score wise . . . just wanted to share visions of hope. I have been waiting for 2010 for four years, hence excitingly anticipating . . .

Hotpoint

1/2010 Trans 630

1/2010 Eq 614

Message Edited by hotpoint on 03-01-2010 06:42 PM

Re: 2010 Excitingly Anticipating . . .

asanch12 — Tue, 02 Mar 2010 21:17:20 GMT

nice, congrats!

Re: 2010 Excitingly Anticipating . . .

Eddie24CO — Tue, 30 Mar 2010 00:27:42 GMT

Well my credit score in August 2009 was TU: 495 EX: 496 EQ: 498 (As of 8/02/09)

I defaulted on 5 different cards and also had a bankruptcy, I managed to get my bankruptcy removed (6 years in out of 7) from all credit reports, and also paid off one of my higher balance cards, and I am currently paying on another card monthly since August 2009.

Since then in December 2009 i was able to get a car loan at a high interest rate 21%

My Credit Score then was TU: 545 EX: 529 EQ: 531 (As of 12/18/09)

I paid off my credit card in Decemember, since then I have been offered as of March 25, 2010 a $300 credit limit with my bank to start rebuilding my credit, this is an unsecured card.

Well in under 8 moths I raised my score over 100 points with patience, paying debts and disputing information

As of today my scores are

TU: 595 EX: 597 EQ: 598 (As of 3/29/09)

My Goal is 650!

Re: 2010 Excitingly Anticipating . . .

jeffery581 — Tue, 30 Mar 2010 00:44:16 GMT

Is it very common for them to delete items a few months early?