I just pulled my scores from all three cb and they are up.
eq: 4/25=619 69 point increase
6/28=688
ex: 4/25=601 79 point increase
6/28=680
tu: 4/25=625 43 point increase
6/28=668
I am not sure why tu is so low. I only have one collection from 12/02 with them. I think I am going to pay off my 3 cc, which are 50 % utl, to see how much higher I can go. See below how I did it.
"I just wanted to let you all know that I have finished my disputes/deletions. I started in April trying to remove four items from my credit report and I have been successful.
1. Att: I called the ca and told them that I never had service with ATT. They agreed to delete the item, probably because it was such a low balance of $85.00. I had called them numerous times in the past and had no such luck. I guess I got the right person.
2. Att Home Entertainment: my account was sent to collections because I forgot to turn in the equipment. It was finally turned in but my account was already in collections and on the cb. I called Att Home Entertainment and explained what happened and they agreed to contact CMI to have the item deleted from my cp.
3. Gexa Energy: I was sent to collections because I had a small balance from the apt I had moved out of. I called Gexa and told them that I was not aware that I had a balance from when I moved out. I told them that I would pay the $54.00 if they would agree to contact NCO and have the item removed. They agreed and the item has been deleted.
4. Green Mountain Energy: This was sent to collections because when I moved out of my last apt GM did not disconnect the lights as I asked them to do. I was sent a bill for $234.00 even though I could prove that I did not live there at the time. I filed a complaint with the Public Utilities Comission of Texas and GM took the account back from CSI and my tradeline has been deleted.
Now I know it may seem as if it was easy to have these items deleted. It was not. It took a lot of phone calls and talking to numerous people. I spent a lot of time and energy to get it done. The reality is that I was probably just lucky with some.
In april, according to Scorewatch, my fico was 620 which included all of four of these items. I have not pulled a new score but I am hoping my score has gone up. I am going to wait a little while just to let the fico system catch up to my deletions.
Finally, this board has been a big help in my efforts. Thanks"
Message Edited by loloswims on
06-28-2007 11:18 PM
