topic Re: Finally! 65 point Inrease in Rebuilding Your Credit

Finally! 65 point Inrease

Anonymous — Wed, 18 Mar 2020 23:16:47 GMT

I been working on hubby's credit along with my own the last 2 years. I have to update my siggy because our scores are so different from what they were a year ago. My mortgage score is up to a 701 right now and hubby is at a 687. We still have 2 cards that were previously reporting 80+% utilization to see how that increases our scores. BUT i degress. I have been working out how to handle a creditor on his report that is a nightmare. I swear I have no respect for this company because they have such illegal collection practices. But we finally paid the account as a settlement last year. Well they had started updating his credit report and were still reporting it as a charge off. I contacted corporate who sent me right back to the guy we paid last year. I kind of let him have it, in a pretty nice way, but firm. Told him what the violations were, sent screen shots, told him we planned to file complaints with FTC, FCRA, and meet with a consumer protection attorney we have worked with in the past if we feel we need to. And then closed with "I don't know how you intend to repair the damage you've done to my credit but I am eager to find out". I had requested a deletion due to the violations and repeated harassment from the collection team through their credit reporting.

Turns out the deleted it. I checked hubbys Experian score today because he gets daily updates and his score went up 65 points to a 688 from that account being removed. It is a completely clean report now and the only thing holding it down is that he only has one of his own credit cards and its a store card (he is AU on my three bank backed cards) and credit age since the account that was deleted was over 13 years old.

I am so happy it is gone. Now we can really start moving forward. ... provided they don't decide to readd it at some time in the future...Its a win for now.

Re: Finally! 65 point Inrease

newfossil — Wed, 18 Mar 2020 23:19:46 GMT

@Anonymous wrote:
I been working on hubby's credit along with my own the last 2 years. I have to update my siggy because our scores are so different from what they were a year ago. My mortgage score is up to a 701 right now and hubby is at a 687. We still have 2 cards that were previously reporting 80+% utilization to see how that increases our scores. BUT i degress. I have been working out how to handle a creditor on his report that is a nightmare. I swear I have no respect for this company because they have such illegal collection practices. But we finally paid the account as a settlement last year. Well they had started updating his credit report and were still reporting it as a charge off. I contacted corporate who sent me right back to the guy we paid last year. I kind of let him have it, in a pretty nice way, but firm. Told him what the violations were, sent screen shots, told him we planned to file complaints with FTC, FCRA, and meet with a consumer protection attorney we have worked with in the past if we feel we need to. And then closed with "I don't know how you intend to repair the damage you've done to my credit but I am eager to find out". I had requested a deletion due to the violations and repeated harassment from the collection team through their credit reporting.

Turns out the deleted it. I checked hubbys Experian score today because he gets daily updates and his score went up 65 points to a 688 from that account being removed. It is a completely clean report now and the only thing holding it down is that he only has one of his own credit cards and its a store card (he is AU on my three bank backed cards) and credit age since the account that was deleted was over 13 years old.

I am so happy it is gone. Now we can really start moving forward. ... provided they don't decide to readd it at some time in the future...Its a win for now.

Congratulations!

Re: Finally! 65 point Inrease

AllZero — Wed, 18 Mar 2020 23:23:25 GMT

Congratulations on DH success!

Re: Finally! 65 point Inrease

Anonymous — Wed, 18 Mar 2020 23:36:51 GMT

Thanks! It has been such a burden and I am so happy to see it gone I almost jumped out of my seat. We are apply for a mortgage in May (if we are able to with everything going on with the virus) and we will finally have a shot with this off his reports.

Re: Finally! 65 point Inrease

FireMedic1 — Wed, 18 Mar 2020 23:58:49 GMT

Give em hell and it worked. Funny how they'll put their tails between their legs and run when you catch em. Congrats!

Re: Finally! 65 point Inrease

flexin222 — Thu, 19 Mar 2020 00:01:46 GMT

Congrats...You go you! Doors will open, champagne glasses shall overflow!

Re: Finally! 65 point Inrease

blindambition — Thu, 19 Mar 2020 03:08:39 GMT

Sometimes you gotta bulldog you're way through BS. Go You!!!

Re: Finally! 65 point Inrease

Anonymous — Thu, 19 Mar 2020 04:04:57 GMT

Congrats!! Last collection & a clean report, what a nice feeling!!

Re: Finally! 65 point Inrease

Anonymous — Thu, 19 Mar 2020 18:57:19 GMT

Yes! Sometime you do. I try not to but as a last resort if I need to I definately will be aggressive. My husband was so excited.

Re: Finally! 65 point Inrease

seattletravels — Fri, 20 Mar 2020 01:20:07 GMT

Hell hath no fury like a woman scorned (by a CA!) Congrats on your success with DHs file and best of luck with your mortgage app!

Re: Finally! 65 point Inrease

Anonymous — Fri, 20 Mar 2020 15:59:55 GMT

@Seattletravels: Isn't that the truth!

I just got an update for Experian (myfico is way behind until April 3 when it updates) and my Fico8 as at a 701, Morgage is 715, and I even have an auto score of 748! I am so excited. Hubby isn't far behind with his updated Experian score (two credit cards updated to <9% UTL) and he is at 695 for Fico8 and Mortgage is a 685. We are heading in the right direction and super excited. Especially me since I finally hit "Very Good" on one of my Fico scores!