topic Re: Differences in the 3 CR in Rebuilding Your Credit

Differences in the 3 CR

Deltadog03 — Sat, 23 Mar 2013 16:08:05 GMT

Quick question everyone:

I, like many of us, are trying to clean up my CR after my CH 7 BK. I have been SUPER lucky to now have 5-7 CA removed from my reports through GW. So, my question is, I have an old judgment and a CA from an old apartment, but Experian has DELETED BOTH of them on my report and they are still on the other 2 CR. I am sure this is probably a common thing, but what do you do? Should I call and try to get they GW as well? OR could that backfire and it get put back on my EX report? Thank Yall!

PS, when that CA was removed yesterday, my EX FAKO shot up 26 points

Re: Differences in the 3 CR

Anonymous — Sat, 23 Mar 2013 16:09:41 GMT

Why were they deleted from EX? Due to age? Are they due to be excluded?

Re: Differences in the 3 CR

Deltadog03 — Sat, 23 Mar 2013 16:23:49 GMT

I'm not sure Guiness, they are going to fall off in 2016/17. Experian is just about finished up with the disputes I had done when my bk first discharged mid feb. could it be that? They ONLY reason I was disputing anything was for them to show IIB, which they are now, but super puzzled why EX just deleted them. What can/should I do about the other CR?

Re: Differences in the 3 CR

Anonymous — Sat, 23 Mar 2013 16:28:41 GMT

If they are reporting accurately, there isn't anything you can do.

Has EX responded with the dispute resoulution yet?

Re: Differences in the 3 CR

Deltadog03 — Sat, 23 Mar 2013 16:35:38 GMT

All the results are pretty much updated/deleted/remains on the status page, but final stuff is due next Friday. They both show deleted on the status page, plus I just had there service through them and its been gone for 2 days now, the CA that is.

Re: Differences in the 3 CR

Anonymous — Sat, 23 Mar 2013 16:37:12 GMT

Wait and see what the final resolution is.

Did you dispute with all three? They could have been verified by 2 and not EX.

Re: Differences in the 3 CR

Deltadog03 — Sat, 23 Mar 2013 17:46:33 GMT

I did dispute them to all 3 so they would update with IIB and they did, but EX just deleted them, I'm not bitching by any means lol just wondering if I try another GW to is it possible the CA could update something and they get put back on EX. So I'm wondering if I should just leave it alone on doing a GW again.

Re: Differences in the 3 CR

Anonymous — Sat, 23 Mar 2013 17:48:33 GMT

Yes, it is possible. Especially if the CA is one that is not nice.

Re: Differences in the 3 CR

Deltadog03 — Sat, 23 Mar 2013 18:33:03 GMT

Ok, thank you!! I might just leave it alone them and let them fall off in next 3-4 years.

Re: Differences in the 3 CR

Deltadog03 — Sat, 23 Mar 2013 18:36:15 GMT

Oh, remember those HSBC accounts I asked y'all about 2 weeks ago? Well all 3 CR are reporting it as paid after C/O or something like that, but Fico shows it as NOT hurting me anymore on my report.