Too Many Disputes ?

raisinitup · ‎01-17-2013

So, I've managed to get a couple of things deleted through PFD or GW but it seems that the items aren't being deleted until I dispute them with the CRA's. I definitely don't want to wear out my welcome with the CRA's or get a "frivolous" label with the dispute process. Should I be concerned or is it no big deal as long as the disputes are actually effecting a change to the report ?

12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
Each One - Teach One

Shogun · ‎01-17-2013

Have you tried direct disputing with the creditors?

Starting Score: 504
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.

raisinitup · ‎01-17-2013

Yes - but they always say 30-60 days depending on the CRA. If I can get it removed sooner (which I have been) it will surely help speed up my rebuilding process.

12/11/12 Starting Score EQ FICO - 583/ TU FICO - 615/
4/1/13 - Lender Pull - TU - 645 EQ - 675 EX 712
Each One - Teach One