UPDATE:
I finally paid off my Portfolio Recovery today. Now I just have to see it drop from my report. Hopefully it'll happen at the end of January but maybe it wont happen until Late February/Early March
Comenity Bank VS, decreased my credit limit to $100. I did send a goodwill letter for the lates but I will not hold my breath on that. The reporting finally came in and Fico score 8 says it caused a 54 point increase on my Experian. Waiting on Transunion and Equifax.
My Open Sky account has reported with the credit beaurus. FICO Score 8 says this caused a 20 point increase with Experian/ 17 points with Equifax/ Still waiting on transunion.
The IQ data came back verified but there is no way. So I am going to try talking to the real estate company to see if I can pay them directly for an eviction judgement so that I can dispute the IQ data and have it removed & have the record sealed so I can find a new place to rent for cheap while I continue paying things down. If that doesn't work, I will have to get a copy of the judgement from the court house and try resubmitting to transunion. I'm afraid to call them because I've heard nothing but bad things and I feel they wouldn't care to listen to my concern that the address they are reporting and the creditor is all incorrect. Maybe Ill get the nerve to do it today or next month. Opinions appreciated on how to approach this.
