topic Re: 30 point jump!!!! in Rebuilding Your Credit

30 point jump!!!!

Shogun — Tue, 19 Apr 2011 17:58:08 GMT

Oh yeah... Doing the happy dance!!!! myFICO rocks!!!!!!!!!!!

Past week:

Discover: Lates removed

Santander #1: Late removed. (updated today, just talked to them yesterday)

Santander #2: Said late would be removed (haven't updated yet)

3 Medical Collections removed.

Portfolio: Added a collection (Sent DV and awaiting. Prepared to offer PFD)

That's it so far this week!

Re: 30 point jump!!!!

Anonymous — Tue, 19 Apr 2011 18:23:42 GMT

Congrats! That's good work in a week.

Re: 30 point jump!!!!

CreditBuilder01 — Tue, 19 Apr 2011 21:14:57 GMT

Congratulations on the increase! Santander is very difficult and that is awesome you got the lates deleted. I have have 3 30 day lates that reported 2009 that I have been trying to get removed on a loan that I PIF this past Jan and I wanted to know did you send GW letters or were you able to get the late(s) deleted via phone? If you have any specific e-mail or contact information for someone there would you please PM me the information? I am trying to get pre qualified for home loan. Thank you!

Re: 30 point jump!!!!

Shogun — Tue, 19 Apr 2011 21:22:03 GMT

Chelsea, acutally I just launched an email off their website to their payment department. I got an email back from them 3 days later with a number to call. I called the number and got ahold of a nice guy who said he would update my account. I had two accounts and a late from each one that stemmed from when they switched from HSBC Auto and Citi Auto. Just talked to him yesterday and one account already updated today.

Re: 30 point jump!!!!

tntexans72 — Tue, 19 Apr 2011 21:29:58 GMT

3 medical collections removed?

It's a blessed day for you !!

Re: 30 point jump!!!!

quairosun — Tue, 19 Apr 2011 21:41:20 GMT

Can you hit the rest of us who have been through this with Santander the number? You can message it to me. Thanks!

Re: 30 point jump!!!!

Shogun — Tue, 19 Apr 2011 21:44:23 GMT

Please contact Santander Consumer USA Credit Dispute Hotline at 866-923-9282 or 214-237-3430 for further instruction on how to have your credit reporting inaccuracies verified.

Re: 30 point jump!!!!

Shogun — Tue, 19 Apr 2011 21:45:23 GMT

The guy was super helpful. I did have a legitimate dispute and am 6 months ahead on current payments. That might have helped but good luck!. YMMV

Re: 30 point jump!!!!

Shogun — Tue, 19 Apr 2011 21:50:03 GMT

I hope there's no problem with posting the number. It's a generic number, not to anyone in particular so I don't think it violates anything. If it does, sorry in advance and I'll take my spanking and learn. Thanks.

Re: 30 point jump!!!!

T50 — Wed, 20 Apr 2011 07:34:05 GMT

Could you tell me what credit monitoring service you used? I am currently trying to find one that monitors my score on a daily basis....

Re: 30 point jump!!!!

Shogun — Wed, 20 Apr 2011 07:44:07 GMT

I use the one from Equifax. I know it's a Fako but I'm using it to keep a running tab on my CR. I pull mine on Mondays and Tuesdays to note for changes. They also send me alerts to my cellphone if anything new or changes occur. Plus I alternate each month pulling my FICO scores from EQ and TU.

Re: 30 point jump!!!!

T50 — Wed, 20 Apr 2011 07:48:26 GMT

could you PM me the link possibly and how much it costs PLEASE!! Thanks