@TRC_WA wrote:
@1GaDawg85 wrote:
since you are right on the line, I would go for it. Get it off and if they don't budge then come back after the 61st day. Keep on them!Yeah... as said I just had some success with TU.
Gonna look at my EQ and EX reports this week and probably will make an attempt then after I verify the dates. All 3 reports are pretty much the same so maybe I'll have some success. For the longest time my TU report was 30-40 pts lower than the other two... now they are finally within a few points of each other... at least with FICO8.
Will post back.
any progress is movement forward.
Op, congrats, I am trying to do the same, quick question were the disputes done online?
@Epiki71 wrote:Op, congrats, I am trying to do the same, quick question were the disputes done online?
Yes... and it took about a week to complete.
Great, I try this today, but I keep getting an error on the page.
Updated 3/2/23
2 of the baddies scheduled for 8/23 removal weren't deleted with the previous dispute... but they were today... instantly.
INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report.
In response to your dispute, this item was DELETED from your credit report.
NORDSTROMTDBANKUSA
13531 E CALEY AVE
ENGLEWOOD, CO 80111
INVESTIGATION RESULTS - DELETED: The disputed item(s) was removed from your credit report.
In response to your dispute, this item was DELETED from your credit report.
DISCOVER BANK
PO BOX 30939
SALT LAKE CITY, UT 84130
I chose "too old" and in the comments added I am requesting early exclusion. The deletions were instant.
The only baddies remaining on my TU report are my car loan and the PR... scheduled for removal 1/24... so I'll dispute them in July.
Will post back if I receive any score boost from these 2 deletions today.
Congrats on the EE! Nice work.
Rule of thumb (from what I understand) for EE is that TU is 6 months, Ex is 3 months, and Eq is 30 days (if you're lucky).
I have basically all of mine on the calendar and by the end of year I'll be baddie-free with TU being cleared out next month :-)
@Apexdv wrote:Congrats on the EE! Nice work.
Rule of thumb (from what I understand) for EE is that TU is 6 months, Ex is 3 months, and Eq is 30 days (if you're lucky).
I have basically all of mine on the calendar and by the end of year I'll be baddie-free with TU being cleared out next month :-)
thanks for the dates, was going to do all 3 at the 6 month mark but just changed my reminders (dates are coming up quickly 
)
@Lurker22 wrote:
@Apexdv wrote:Congrats on the EE! Nice work.
Rule of thumb (from what I understand) for EE is that TU is 6 months, Ex is 3 months, and Eq is 30 days (if you're lucky).
I have basically all of mine on the calendar and by the end of year I'll be baddie-free with TU being cleared out next month :-)
thanks for the dates, was going to do all 3 at the 6 month mark but just changed my reminders (dates are coming up quickly
Yeah... I'm looking at July for the rest of TU... October for EX... and then December for EQ... 2024 is shaping up to be a very good year.
@TRC_WA wrote:
Will post back if I receive any score boost from these 2 deletions today.
| Based on TransUnion data | |
| We see multiple changes to your credit report. | |
| You have an updated score! | |
| An account was removed | |
| Change in accounts past due | |
| Negative information was removed |
.... and I just got a score update... TU went DOWN 5 points.
I don't even care... this FICO scoring is comical at this point. Someone will have to explain this to me like I'm a 4 year old...
As of today:
EQ has a collection... 5 derog accounts and a Ch 13 PR = 660
TU has 1 derog account and a Ch 13 PR = 651
EX has 5 derog accounts and a Ch 13 PR = 669
Did I mention my mortgage scores across all 3 are 695+??
Just gonna ride this out till the end of the year. I'll have my CC debt paid down and reports will be free of derogs... maybe then I'll crack 700.