One of 7 paid medical accounts I just got finished paying on to a company, had not been reported correctly to EQ, so I disputed it. 2 days later I get an alert from MyFico saying that my score went from 584 to 617! Apparently when they investigated, the CA either didnt respond or asked them to delete. Except instead of deleting just that one, they deleted all 7! And I still had 3 years of reporting left on them!
This is a great ending, considering I had already sent a GW deletion letter to the company begging for those 7 deletions, with no answer!
So I've got 1 more negative unpaid account on EQ, which I'll be calling a CA for hopeful full PFD today~ Wish me luck!
I'm also waiting on the outcome of a dispute I've got with EQ where they apparently refuse to correctly update my 3 paid judgements they have listed. The other CRA's already fixed the wrong info on my credit report on one of the judgements, and they just deleted the other 2. EQ keeps telling me the info is correct when the info I have from the courthouse is different. After 2 failed disputes with EQ, I disputed with the CFPB and asked for a straight up deletion of all 3 listings, because EQ refuses to correct the info. I hope I did that right. Anyways I'll know in 2 weeks or less.
Thanks!
BTW, at first glance, CMRE Financial in Brea, CA seems PFD friendly. Will know for sure soon enough, but they did express optimism over the phone when talking with them about it, and they agreed to send paperwork stating they would PFD. Waiting on mail from them now to get started.