Disputing Works!!

[CreditDrama85]

i disputed an auto loan with Audi that had 13 late payments reported (1 of which was 90 days) and today i checked my reports again: TU, and EX updated as open/current..never late AND EQ actually added a few late payments...go figure.

i think im gonna leave it alone, lol. 2 outta 3 aint bad

[Anonymous]

Not bad at all

[CreditDrama85]

u would think both scores would rise seeing as how 13 payments were deleted! but no change at all. should i wait a month or so? will there be any change at all? the value alone of having no late payments visible on manual review is great, i was just wondering...why no score change?!

[Anonymous]

there might be a bit of a delay. also it may not have as much of an affect if they were more than a few years old. are you looking at FAKO or FICO scores? It has been my experience that FAKO's sometimes show little or not change but when you pull your FICO's you get a nice surprise.

[CreditDrama85]

the ficos were EXACTLY the same AND the payments were very recent (all within one year, as early as 1 month ago)

[runNL8]

CreditDrama, how did you dispute them? Online or by letter/mail?

I had an auto loan that I paid off 4 yr ago, but it still shows up as a baddie on my CR as closed/paid, with 6-30's and 4-90 past due. All from when I was temp. disabled, self employed, with no health insurance.

 I'm trying to get these off but don't know what steps I need to take.   

[Anonymous]

impressive

[CreditDrama85]

i just disputed by mail as open/never late with all 3 CRAs , and told them to investigate within the 30 days. when the account went over 90 days, i had a good feeling Audi deleted my payment history internally since they had my car out for repo. when the account was brought current and i took the vehicle out of hiding, it was DISPUTE time with the CRAs. lol.

[runNL8]

Drama85- LOL...you played the game very well!

[Anonymous]

DID U DV FIRST OR JUST PFD? I HAVE 5 COLLECTIONS  ON EACH OF MY REPORTS AND THEY ARE MEDICAL FOR 2 OF THEM AND 2 OF THEM WERE CHKS I'M PRETTY SURE THEY ARE MINE BUT DO I STILL NEED TO DV THEN PFD OR SHOULD I JUST PFD?