@masscredit wrote:
@Anonymous wrote:TU I checked verify all data and typed in the box that Neither DOB nor Social Security number are referenced in the judgement documentation.
EQ I checked verify all data there wasn't a box to type anything in
EX I checked verify all data and typed the DOB SS # are not referenced.
All were disputed Friday. TU and EQ deleted Saturday.
I just disputed 3 liens in TU. Two disapeared on EQ. There is one left that is from my old business. It doesn't have my SS # attached to it so I tried that anyway. And 3 on EX. Fingers crossed! My scores are hanging in the 739-746 range. Looking for 750+ but.... don't want to be rebucketed and possibly take a hit.
You have a bunch of history on your account, rebucketing in your case will be a good thing if you get all your liens off.
@CreditInspired wrote:
@masscredit
I'm confused. What causes rebucketing to cause a drop in scores?
Thanks
Rebucketing = changing scorecards.
Scorecards have ranges and they can overlap, so you can go to a cleaner scorecard and score less well than you did on the dirtier one. Basically everyone gets sorted into into scorecards, and then there's some comparitive measurement inside that scorecard with various metrics (presumably) based on the data FICO has collected.
I have a recent example of this: I was in the PR bucket (tax lien in my case) with lates; when my lates got excluded and I wound up in a different dirty bucket, I actually lost points just having a tax lien but no lates at all showing. The theory on this is that my lates were comparitively minor (30/60D) few (2 on a single tradeline), and old when they got excluded, which scores well in my original bucket, but just the lien alone not so well in the newer bucket and the scoring ranges overlapped.
It can also happen if you go from dirty to clean but usually that's because someone doesn't have much positive history to begin with... in masscredit's case he's got years of credit card and I think personal loan data too, he'll be fine if he gets his liens off, I will be too but NCAP ain't done nothing for me apparently.
Just checked MyBankRate (one of the Vantage monitoring sites) and I saw that my TU VS (yes, guys, I know 
) had jumped from 696 to 708. I decided to check the details of my report...and whaddya know, TU has removed the 2011 civil judgment too! CK is lagging behind - they won't update for another day or so, but I think I can take it as a given that as of now, that item is gone from all 3 reports.