topic Re: Toughest bureau for deletion in Rebuilding Your Credit

Toughest bureau for deletion

Emeraldautomotive — Tue, 07 May 2013 00:13:47 GMT

What credit bureau was your most difficult to get to delete items?

Re: Toughest bureau for deletion

Kathy4NU — Tue, 07 May 2013 00:37:48 GMT

For me it is EX and TU. EX probably a little more difficult than TU.

EQ has been the easiest for me. I call them and they delete stuff. Like them.

Re: Toughest bureau for deletion

Emeraldautomotive — Tue, 07 May 2013 00:46:29 GMT

I just called eq today and from what I gathered they will just delete the items I told them without the dispute process

Re: Toughest bureau for deletion

Anonymous — Tue, 07 May 2013 00:51:08 GMT

TU for me but take in mind that everyone's situation is a bit different.

Re: Toughest bureau for deletion

Shogun — Tue, 07 May 2013 01:03:55 GMT

EX for me.

Re: Toughest bureau for deletion

Anonymous — Tue, 07 May 2013 03:56:42 GMT

EX!!

EQ was the easiest for me.

Re: Toughest bureau for deletion

Anonymous — Tue, 07 May 2013 07:41:01 GMT

Well, I'll throw my experience in the mix. EQ has been the toughest, but TU has been the easiest then EX.

Re: Toughest bureau for deletion

germese1975 — Tue, 07 May 2013 07:40:25 GMT

How do you get things deleted from EQ so easily? I've got two Midland accounts that are only reporting on EQ. i disputed them on all 3 about 6 months ago. EX and TU delted them, but EQ said they were valid.

Re: Toughest bureau for deletion

VirtualCuriosity — Tue, 07 May 2013 08:32:34 GMT

EQ definitely for me is the toughest. TU and EX reported back after a dispute over a balance on a CO that the debt was forgiven and they removed the balance. However, after two rounds with EQ they tell me that they investigated and the balance is correct. I sent back a copy of the 1099 and requested that they provide the method and details of their investigation, but they have not. It falls off in January anyway, so I am probably done wasting stamps and effort over their reporting. I'm in the garden anyway.

Re: Toughest bureau for deletion

fishbjc — Tue, 07 May 2013 15:41:40 GMT

TU deleted something early for me. EX is a pain, but I don't really bother with them too much. Who really pulls EX?

Re: Toughest bureau for deletion

Kathy4NU — Tue, 07 May 2013 17:01:23 GMT

@fishbjc wrote:
TU deleted something early for me. EX is a pain, but I don't really bother with them too much. Who really pulls EX?

My experience has been that almost everyone pulls EX and it is my lowest score. It has two paid collections that are 5 years old and I still can't get in the 700's with them.

TU has two paid judments and I am sitting at 722 with them.

EQ is as clean as a whistle and I received a score alert for 738 yesterday. However, I can't find anyone that pulls EQ in my neighborhood!

Re: Toughest bureau for deletion

kroberts67 — Tue, 07 May 2013 19:36:48 GMT

@Kathy4NU wrote:
EQ is as clean as a whistle and I received a score alert for 738 yesterday. However, I can't find anyone that pulls EQ in my neighborhood!

USAA pulls EQ - they are awesome!! EQ was my cleanest, that's how I got in with them. I love them and so glad I went for it. And at the time they pulled I was only high 600's. Maybe 687?

Re: Toughest bureau for deletion

Kathy4NU — Wed, 08 May 2013 03:48:56 GMT

@kroberts67 wrote:
@Kathy4NU wrote:
EQ is as clean as a whistle and I received a score alert for 738 yesterday. However, I can't find anyone that pulls EQ in my neighborhood!
USAA pulls EQ - they are awesome!! EQ was my cleanest, that's how I got in with them. I love them and so glad I went for it. And at the time they pulled I was only high 600's. Maybe 687?

I tried for a USAA card. Denied. My credit file is actually very thin. I only have one card reporting for 10 months. I might try them again in 6 months or so. I was super bummed as I heard great things about them.

Re: Toughest bureau for deletion

Anonymous — Wed, 08 May 2013 06:24:23 GMT

EX for me too!