Credit Rebuild 2018 Help with FPB and Convergent

[Anonymous]

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@Anonymous

EX 561 TU 482 EQ 541

Also noticed a couple of inconsistent information between the three.

AUTOTRAKK - REPO

TU- Open //No payment history//

EQ- Closed //Account type - Credit Card// Negative payment history up to 7/2018// Car was repossessed back in 2016.

EX- Closed // Negative payment history up to 7/2018// Car was repossessed back in 2016

First Premier - Closed//Charge off

TU- No payment history

EX- Showing one missed payment July

EQ- Showing positive payments for the last 14 months

Is there any basis on the information for disputes above? Also Ive been trying to do online disputes with experian and equifax however it always prompts me with an error and tells me to call them in, is there any way to fix this?

Thanks again guys for all the good info.

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Unfortunately I didnt have any special way to remove PRA, I wish i did so i can share it with everyone. I was lucky enough that my free annual credit reports were showing different DOFDs on the account and thats the basis I used for disputing. Signed up for CCT and these are the scores it came up with.

The Autotrakk you could try to dispute for the DoFD again.  the eq one you can since it was not a credit card. 

The first premiere i'm not sure on other than not owed?  maybe? 

Honestly calling in, can be better to plead your case, but to each there own.  not sure how to fix the online part unless you are just trying to request a dispute before the previous one has finished. 

[Anonymous]

Great news PBCM was changed to zero balance to day settled payment status, which tech should be deleted willing to give it a couple of days to update further. Gave TU a 21 point jump.

[gdale6]

Most wont put it in writing. If they agree to recall for the payment they typically follow through. If they fail to do so then a complaint to the BBB for shoddy business practices may result in them fulfilling their agreements. T mobile is known for being pretty good at following through.

[Anonymous]

Update Autotrakk went from open to closed on TU which gave me a +110 point jump, however on EQ it shows the removed the “collections” remark which was a -77 change. Can someone advise why that is?

[Anonymous]

Just got home from vacation and I received a letter from first premier.

“We have completed our investigation and have determined you are not responsible for the disputed account. We have sent notification to the consumer reporting agencies to remove the account from your credit history. Please allow 90 days for the update to reflect on your credit report.

Wooooo what a great present after vacation.

[Anonymous]

Updated the google sheets with credit changes for anyone following the progress