I just got experian to delete a paid baddie on my CR and after I got the notification I shelled out another $15 and my score did not change at all. I would have thought since the CA reported on this each month that with it being deleted would have improved the score at least a few points. Any insights??
That is really odd chartley. How old was the CA account? Could it have been sold old that it was weighing very little? Or maybe countered by another small ding such as an inq? Each time I print out a new report, I put them side by side and make notes on "every single entry" to determine where the changes are.... I'm **bleep** that way.
I think it may have been that it was so old that it was not affecting you that much. Not sure though I have 2 baddies for $30 bucks each that are from 2001. I can afford the $60 but I'm afraid if I pay they will hurt me in the long run. Those baby will just have to fall off. I could PDF but I had success with the dispute route, so i'm going to roll the dice and see what happens. I have been working on my scores since 1/3/07 my scores were 585, 524 & 592, 6 mons later on 7/9/07 my scores are 648, 597 & 666. Wait a little bit, they take their time to change the score. I had a delete and it took 3 weeks for my scores to go up.
Luckily Im not in that boat on age because of my Student Loan reporting. Im on the hunt to get both my TU and EX over 620 so I can qualify for a HELOC to remodel my kitchen and EX is sitting at 595 as we speak Im keeping my fingers crossed I can be over 620 before the holidays so I can at least have the kitchen done before Christmas