I am sooo glad I found this site. You people totally rock with all the great information you share. This is sort of a success story to follow up on some of my earlier postings.
I don't mean to sound pompus by coming off like all of you should remember me and my story, but I came on this site about two months ago with tons of questions and comments just like everyone else. I had been though a rough divorce, had a few late payments and a real hard time re-establishing my credit after a CH 7 BK. I had NEVER checked my FICO scores before two months ago and I was was very happy to see my scores as 699(EXP), 700(TU) and 701(EQUI). That wasn't enough, I set out to really do all I could to clear up my credit as much as possible. I disputed a few items and either got them deleted, corrected, or at least proper comments added.
I applied for and got three new cards (all from HSBC) with decent CLs and decent rates. I have used them and carried balances, but those should be paid off before to long. I did have one entry on my TranUnion CR for some really late payments, which I do admit to, but they were listed for the wrong year and I wanted it corrected so that they would drop off next year with everything else except for the actual BK. I disputed and it was verified by Chrysler Financial. I wrote them a very nice letter asking if they could please correct the mistake or better yet, delete the lates as an act of goodwill. I got a form letter back that didn't tell me anything. I disputed it again, and got the response from TU the other day saying that the debt was verified, and no change. There was a copy of my CR included, and when I examined it, there was NO mention of the lates at all under Chrysler Financial. Only thing I can figure is that they dropped it due to the goodwill letter and the form letter I got didn't say that was the case. Anyway, i pulled my TU score again tonight (just under two months after the first) and I have gone up 40 points. Of course I got some minor dings for having three new open accounts this year, but my utilization is at 8% and I have less baddies. I am so stoked that i think I may pull my other scores as well.
Thanks again for all the help folks! You all know who you are.
