A day of frustration!!

[susieqj]

A day of frustration with Equifax!

I never felt like giving up but today that is how I feel.  I live in NYC and unfortunately to rent an apartment landlords are pretty much looking for a perfect credit score and I really need to move.    I’ve been repairing my credit since February of this year and I have made a lot of headways but today I really feel like giving up.  My utility went from 86% to 54% still work in progress however instead of me seeing an increase like I did from Transunion and Experian my score went from 590 to 568 on Equifax.   My Equifax has no collection, no public record; while my TU has 1 collection 2 paid liens, 1 charged off due to drop off May 17.  My Experian has I collection and a charge off falling off April of 17. Everything else is the same with cap one 120 days late now current and student loans in deferment.   I will just wait again to see what my scores will be at the end of the month when…  Just venting…

[righthererightnow]

Yep. They are tough! Also getting things (which should be) removed with them is tough too.

[Aduke1122]

This is crazy , what are you using to see your scores ? I personally think this is some kind of.glitch bc you SHOULD DEFINITELY gaim pts for lowering UTI, I understand how upsetting and frustrating thus whole thing can be , I've had a mix of so many emotions over the last 8 mths of rebuilding . My worst time was when I lost 20 pts just as I hit the 600 mark ,.up from the 400s when I started in Jan this year. Anyways I lost 20 pts for absolutely no reason that I could find , nothing had changed in my reports . Talk about being let down big time.

[susieqj]

Thank you!

I also started in the 470’s on all three reports in February and got public records removed some collection and pretty much doing as much as I can from the information I read here.  I subscribe to my FICO and pulled my quarterly report today. After I posted I received an alert saying that my score dropped due to an update with a paid charged off that I was disputing still showing late.  It is still odd that I did not get a single bounce from my utility becoming lower.  I will wait to see if it will update more. I did get 12 points bounce from TU to 607 Experian went up 4 points  to 579 points.  I am looking forward to some updates because I paid a couple of small credit cards off and will be making some large payment s.  I am still thankful for my journey so far.

[Aduke1122]

I hope you see a bounce in scores for your lowering UTI also , I paid off my last tiny little utility CO from when I moved to another state I never got the bill , go.figure . Anyways it's been a mth and only TU has updated it being removed so far. It was a PFD I worked out with them, anyways I been waiting ad waiting , and nothung for EX and EQ , I got a very nice increase on TU when it was removed as it was my newest and last thing left . So I'm anxious to see what the others do along with my new account from Navy Fed . It's so weird bc TU is literally the LAST one to do anything and in this case they reported it gone like the week after I paid it..I'm worried that something didn't go right like maybe the company didn't send in the deletes to the other two CBS . Gonna give it a bit longer but if I don't see it gone soon I'll call them back I guess ..