Hello All,
I've seen my first victory with trying to repair my credit! Baby steps, I know, but something is better than nothing. There were judgments showing on my report - 1 on EQ and 3 on EX. These were all from an apartment complex that filed eviction if you were late on rent and then dismissed once you paid. Even though all of these items were dismissed, they were still showing on my reports. Anyway, after disputing the judgments with the CRAs and providing copies of the dismissal orders from the court, I received an alert from Score Watch that my EQ score has increased by 20 points!!! I haven't made it to my PO Box to see the actual report that they send back but I'm guessing they removed it from my report, hence the increase.
I know that this isn't a huge jump and I have a ways to go but I'm excited about it. Now my EQ fico is sitting at 520.
Next steps - I'm mailing pre-HIPAA letters tomorrow to the CRAs for 3 medical collections that are being reported. I also disputed a few items that included incorrect information. After this, I have some PFDs to do for other collection accounts.
Wish me luck! I turn 30 in July and would like to enter the next decade of my life with a decent credit score!
