@Civil wrote:
What sucks is I was expecting my score to jump at least 20 points with Experian....It went from 611 to 612....LOL. I did send out letters to all 3 CRBs last week for my negative reportings...We will see how that goes.
From what I've read its the last baddie that gives you the real boost. Others help but if there is still something then it still hurts you.
I know what's killing me but I just expected more...lol. I just have to sit back at this point and wait for the response and my next move.
It's been my experience that Transunion will remove up to 6 months before it hits the 7 year mark, Experian up to 2 months before and Equifax will remove 30 days before. Best wishes.
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Unfortunately, Experian finished my disputes and verified all of them. Why is TransUnion the only awesome CRA?? I mean, these late payments are from almost 7 years ago, you guys couldn't give me a little break? I know super old late payments don't make much of an impact, but I still want them gone. Well, I shouldn't say they don't because when TU removed them, I got a 40 point increase! I just want to see that same increase with my Equifax and Experian reports.
@Queen_Etherea wrote:Unfortunately, Experian finished my disputes and verified all of them. Why is TransUnion the only awesome CRA?? I mean, these late payments are from almost 7 years ago, you guys couldn't give me a little break? I know super old late payments don't make much of an impact, but I still want them gone. Well, I shouldn't say they don't because when TU removed them, I got a 40 point increase! I just want to see that same increase with my Equifax and Experian reports.
To me, EQ is worse than EX. I have something with them that's is clearly not correct reporting where Sallie Mae says my Federal student loans are included in my BK, when it's clear that anyone who just looks at the file can see there is the exact same accounts under Navient. I've called Sallie Mae and they do not even have a record of me, but someway EQ says they are validating that is true. I just called them again for the third dispute, we will see what happens. If I don't get this cleared up my EQ scores is going to be dragged down until 2022. EX always had it right and one dispute on TU and they updated in a couple of weeks.
@dynamicvb wrote:
@Queen_Etherea wrote:Unfortunately, Experian finished my disputes and verified all of them. Why is TransUnion the only awesome CRA?? I mean, these late payments are from almost 7 years ago, you guys couldn't give me a little break? I know super old late payments don't make much of an impact, but I still want them gone. Well, I shouldn't say they don't because when TU removed them, I got a 40 point increase! I just want to see that same increase with my Equifax and Experian reports.
To me, EQ is worse than EX. I have something with them that's is clearly not correct reporting where Sallie Mae says my Federal student loans are included in my BK, when it's clear that anyone who just looks at the file can see there is the exact same accounts under Navient. I've called Sallie Mae and they do not even have a record of me, but someway EQ says they are validating that is true. I just called them again for the third dispute, we will see what happens. If I don't get this cleared up my EQ scores is going to be dragged down until 2022. EX always had it right and one dispute on TU and they updated in a couple of weeks.
Ugh EQ is my worst one, too! My EX and EQ reports are EXACTLY the same, yet my EQ score is 20 points lower! No, wait a minute, I have 2 things in collections on my EX report and only 1 on my EQ... wth is going on here? I was able to pull all 3 CRA yesterday for free and everything matched up except one collection agency doesn't report it to EQ. You would think my EX score would be the lowest then! Oh well. Only time can fix my profile right now, so I just have to wait it out, pay my bills on time, and keep doing the AZEO method.