topic Re: Credit Karma Direct Dispute Success! in Rebuilding Your Credit

Credit Karma Direct Dispute Success!

Anonymous — Sun, 06 Dec 2015 13:17:51 GMT

I had a collections account from Pinnacle Credit just over $600 on my transunion report. After reading a couple success stories on here I submitted a dispute for this collections account on December 4th and this morning it was deleted!

My reasons for the dispute were "I had no knowledge of this account"
I am not trying to give anyone false hope I am sure it wont work for everyone but it worked for me as it has several others so give it a try!
Waiting to see how a removed collections account may affect my score. Anyone had score jumps right after a collections was taken off?

Re: Credit Karma Direct Dispute Success!

Anonymous — Sun, 06 Dec 2015 18:37:26 GMT

Congrats. You'd be surprised how often a simple dispute can come back in your favor when the CA has no real proof of your debt. Way to go.

Re: Credit Karma Direct Dispute Success!

RobertEG — Sun, 06 Dec 2015 20:24:17 GMT

A dispute on the basis that the consumer asserts they have no knowledge of the account can be dismissed without any investigation as lacking any showing of inaccuracy in their reporting, or alternately can simply be verified without providing any proofs if they have reasonable basis for determining that you have the debt.

it is not usually a productive basis for a dispute.

If the consumer truly believes that the account is not theirs, the proper procedure is to get the reporting blocked by use of the FCRA identitytheft process.

Re: Credit Karma Direct Dispute Success!

Anonymous — Mon, 07 Dec 2015 02:40:26 GMT

I've had 3 public records / default judgements removed from TransUnion this week alone, 1 more is in the dispute process right now I have a feeling I'll get all 5 of them removed within the next couple weeks. Everyone was asking me why I don't do it directly with the TU and not through Credit Karma, the reason I'm doing it through CreditKarma is because it's actually working and effortlessly so far.

I've tried this a few times directly through each agencies website and never had anything deleted, through CK I am 3 for 3.

I just wish I could do it through CK w/ EQ and EX.

Ever since doing this the past week I have been able to get 'pre-qualified' offers again when I fill out the forms on Citi, Capital One, etc... last week I would have gotten zero results so I do think it's definitely working in my favor, I've never had any pre-qualify forms return an offer until now.

Re: Credit Karma Direct Dispute Success!

Anonymous — Mon, 07 Dec 2015 07:59:59 GMT

That is excellent to hear! I just started my second dispute after reading your post. Hopefully I have the same luck as you!

Re: Credit Karma Direct Dispute Success!

Anonymous — Mon, 07 Dec 2015 14:09:32 GMT

I had a ton of medical collection accounts from my ex-wife and KILLED my scores. I disputed through annualcreditreport.com and got most of them removed which got me motivated to fix my credit. A simple dispute can remove itemsif the creditor has no proof of the debt. I disputed EVERY single negative item on my credit back in 07 and had a few deleted.

Re: Credit Karma Direct Dispute Success!

Anonymous — Mon, 07 Dec 2015 14:13:59 GMT

Outstanding!

Re: Credit Karma Direct Dispute Success!

Anonymous — Mon, 07 Dec 2015 15:59:35 GMT

I agree. CK has been a godsend with disputes. Every one I've submitted has been deleted

Re: Credit Karma Direct Dispute Success!

Anonymous — Tue, 08 Dec 2015 03:07:55 GMT

@Anonymous wrote:
I agree. CK has been a godsend with disputes. Every one I've submitted has been deleted

I agree, my TransUnion is looking significantly better than the other two, I'm 4 for 4 so far and will start the final one tomorrow probably.

Re: Credit Karma Direct Dispute Success!

olehammer — Tue, 08 Dec 2015 03:52:08 GMT

That's awesome! Hoping that I'm successful as well.

Re: Credit Karma Direct Dispute Success!

Anonymous — Tue, 08 Dec 2015 04:15:52 GMT

I think TU is a little TOO delete-happy. I disputed lates on a closed and fully paud student loan. I wasn't disputing the account at all, just the lates. Lo and behold, TU just deleted the tradelines. Not too pleased about that. Now I have to contact the loan company if I want to put the account back on my report. Ugh.

Re: Credit Karma Direct Dispute Success!

Anonymous — Wed, 09 Dec 2015 13:16:54 GMT

Re: Credit Karma Direct Dispute Success!

Anonymous — Tue, 08 Dec 2015 13:03:24 GMT

And this... lol... If you saw the screenshot yesterday it was 7% and 100% I know this is error though and will reset back to the way it was, I saw this happen last time I disputed something and it was not removed, CK is silly.

Re: Credit Karma Direct Dispute Success!

Anonymous — Tue, 08 Dec 2015 14:00:23 GMT

Yeah I definitely never rely on their scoring methods or credit factors only the report information.

Re: Credit Karma Direct Dispute Success!

Anonymous — Tue, 08 Dec 2015 15:49:38 GMT

Same here, I had this exact same thing happen last time I tried disputing something (and failing) with EQ, it corrected itself in a matter of days and my Payment History was back at 100% but the first time this happened I had a mini-panic. I honestly think Credit Karma somehow makes getting things deleted easy, almost like it's some sort of loophole or glitch in the system, I feel like had this EQ stuff been disputed using CK's feature they'd have entirely different results.

I have a MyFico 3B subscription too though, only CK freaks out... MyFico looks perfectly normal on all 3.

Re: Credit Karma Direct Dispute Success!

Anonymous — Wed, 09 Dec 2015 13:04:40 GMT

I know I keep posting about this but I can't resist... all of them gone in just a little over week, if only both columns looked like that.

Re: Credit Karma Direct Dispute Success!

Anonymous — Wed, 09 Dec 2015 16:11:57 GMT

That is seriously awesome! Im awaiting the results of my second dispute now. I have one more to go after this one (if approved) and I cannot wait to have at least one completely clean credit report! I wonder how my scores will change. Can you notice any positive change to your scoring yet?

Re: Credit Karma Direct Dispute Success!

Anonymous — Wed, 09 Dec 2015 16:38:35 GMT

@Anonymous wrote:
I know I keep posting about this but I can't resist... all of them gone in just a little over week, if only both columns looked like that.

i'm disputing a paid tax lien right now that i started on monday and it says it'll probably be complete by jan 6th. Did all of yor disputes take a month to complete?

Re: Credit Karma Direct Dispute Success!

Anonymous — Wed, 09 Dec 2015 16:41:26 GMT

My first dispute took two days the second one is pending and i started it two days ago.

Re: Credit Karma Direct Dispute Success!

Anonymous — Wed, 09 Dec 2015 19:42:48 GMT

@Anonymous wrote:
@Anonymous wrote:
I know I keep posting about this but I can't resist... all of them gone in just a little over week, if only both columns looked like that.

i'm disputing a paid tax lien right now that i started on monday and it says it'll probably be complete by jan 6th. Did all of yor disputes take a month to complete?

The estimated time given to me was roughly a month but they were surprisingly fast, my first one took over a week but all of these others were done in just over a week combined, they were all public records plus 1 tax lien... not sure if public record disputes are quicker or high rate of success or not, I do know you can get them legally removed though with some effort even without using this method based on articles I've read.

Good luck!

I still have 5 records each on my other two though, only Trans Union is looking good lol.