My experian report is currently sitting around 604 ish. I recently had a collection deleted through online dispute with enhanced recovery. I also had a medical bill showing the same exact amount reported twice by the same collection agency. I did some research and come to find out bill being reported twice is an error and the initial bill should have been paid by my insurance company at the time. The hospital admitted to the error and will be writing off the charge because its past the timely filing deadline (2009 date of service). They will be contacting the collection agency to pull back both items from my report. I am so happy!! I'm hoping to see a NICE jump in score bump after that's deleted! I am PUMP! Lol
Starting Score: EQ-485 TU-558 EX-576 AUG2012
Congrats!!!!
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
It's the small victories that help us win the war.
Congrats.
That's great, Congrats!
Starting Score: EQ 717 EX 724 TU 736
Thanks all! The reason I'm so happy is because experian kept verifying the info as accurate every time I disputed it online. Thanks to the boards though I realize online disputing is not the way to go and this is a great example of why!
No I learned about the handwriting thing after I did the online disputing. By that time experian had already verified the inaccurate info (probably automatedly) so I didn't bother trying to write them a handwritten letter. If the info isn't deleted timely I will follow up with a written letter.
Congrats! Let us know what kind of bump you get
