I just wanted to update my progress for anyone that is interested. I started my journey to better credit on 9/6/2012 roughly. Less than 30 days ago.
As of this morning, I have had SIX collections removed from Experian and 4 from Transunion. Equifax is not reporting any collections for me (which is a good thing). Two of the deleted collections were from a dispute I made not more than 48 hours ago. I was surprised at how fast they came off.
I was looking at my report with despair just at the beginning of the month. I am now happy to say that SIX of TWELVE collections (newer ones mind you) are gone. Will they return? I have no idea, but I'm going to enjoy this moment while I can. I still have 6 collections to go mind you, but it is a hell of a lot better to see "6 potential negatives" on my report with a drop date of 2014 than seeing "12 potential negatives" with a drop date of 2017.
I don't think they will return because most of those collections were legit misreporting. Such as a Verizon bill where they billed me even though the installer never showed up to install the phone. It's gone !!!
Nice update!!! Good job!
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.
Awesome...I've halfed mine and my hubbies collections numbers too! I cannot wait for June 2015...Everything negative will be gone and we will be sitting pretty with 2 car loans, 1 installment loan and 10 credit cards between the two of us!!! =o)
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congrats to you....Happy dance...
Starting Score: 565
Thanks guys.
While one might be added back on, I am happy today to have all these gone for the moment. Feels good, hope they stay off.