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lizabeth wrote:okay people, take my advice, dont waste time mailing in disputes to the credit bureaus. FAX them. i have a feeling that had i waited around like a patient gal for a collection to be deleted, it would've taken another 2 months. but yesterday i FAXED the information to all three and as of today equifax has deleted. thats a ONE DAY turnover!!
question #1: i cannot afford to buy experian and tu scores right now. can i assume that all three would jump the same amount of points???
question #2: if i CAN assume that, i would now then have the following scores:
TU: 663
EQ: 632 (yuck)
EX: 687
should i continue pushing to delete some more baddies(macys) and wait to apply for a CC?
i do NOT want to waste inquiries if i wont be approved, and i do NOT want to deal with any annual fees or crappy credit lines. i want to ENHANCE my credit. not worsen it.
payment history is : good
amount of debt is : bad (school loans, thats IT)
length of credit history: not good (my FIRST revolving account, banana republic, was started two years ago. my only cc's are banana republic and macys)
amount of new credit: very good
whats my best plan of action? i have two baddies from macys (sent GW letter weeks ago) and a LOT of baddies from a closed car loan (which i am thinking of disputing with the three bureaus)
should i keep waiting? i know for a fact that BOA still isnt preapproving me for anything.
realworldknowledge wrote:I was going to say the same thing as CT. Not to be taken the wrong way. Just when I read the "I cant afford.." It sounded as you were really in financial hardships and opening a CC would be the least of importance. After reading your repost, I completely understand not wanting to throw $30 out the window in order to see if scores jumped.Sometimes when writing email, post etc. Its easy to be misinterpreted from original intent. Again, I completely know what you mean now.
@lizabeth wrote:11-15? its 30 bucks for 2 scores. i appreciate the thought but thankfully i am not poor. i just simply dont desire to throw out 30 bucks if my score hasnt been updated yet ...and then having to pay more again the next week. i apologize for being smart with what i currently have and not treating it like 'oh its just 50 bucks for curiosity..whatever..'.... im trying not to take offense, but that was a teeeny bit offensive.
Message Edited by lizabeth on 05-02-2008 11:28 AM