I pulled all three of my credit reports (and two scores - one is on score watch and the other I purchased to know what my starting point was).
I opted out and updated (I have a lot of accounts - so this meant a lot of letters!) I have had one problem with JCP reporting that I dispute the account info (I don't). I called JCP and they said they don't show it as disputed and that I need to "dispute" the dispute with the CRA's. (I'll get to it...... LOL)
I sent handwritten purple or teal ink/purple or green paper pre-hippa letters to the CRA's (CM) for each of my collections (16 letters total between the 3).
Yesterday score watch notified me that my score had been increased 10 pts - said that a recent collection or public record was not hurting me as much as before. Did not pull new report yet, or receive any responses from the CRA's. But the number is rising! YEAH!! Just wanted to say thanks for the guidance to date and putting this information out there. (And to let those who are debating whether this thing really works know that it doesn't hurt to try!)
