92 Points!

[Anonymous]

My score went up 92 points in 3 days on TU, 1 point on Equifax.  Asset Acceptance and the original OC  disappeared off of TU, but not EQ.   Is there a chance they could show back up on my TU file?  They weren't due to disappear until April 2010.  Is there anything I can do to get Asset off my EQ file?  Also, I had a paid collection fall of TU, but not EQ. 

[Anonymous]

I had a similiar situation, TU and EQ  deleted an acct I disputed with Asset Acceptance,but after 2 months EX had not. I sent copies of the letters showing the removal from TU and EQ to EX. Within 2 weeks EX had removed it as well. I also had to send a copy of a current util bill and valid ID. My question is did you dispute this info,pay the balance or were you just waiting for it to fall off?

Chances are if you did not pay it or dispute it,the derog may show up again. Especially if it was not due to be removed until 2010.

Message Edited by Creditfreeze on 06-12-2009 02:51 PM

[RobertEG]

What is the DOFD on the OC account?

That is the date that controls any dispute of when a collection must drop from your CR.  FCRA 605(c).

If the DOFD was improperly reported to a CRA, that is the date they must use.

Maybe it is not correctly reported to each CRA?

[Anonymous]

I have the exact situation - disputed an Asset Acceptance collection with all three bureaus.  It was deleted immediately from Equifax, and TU deleted after about 5 months of disputes, but it still lingers on Experian.  When you mentioned that you had "sent copies of the letters showing the removal from TU and EQ to EX, that they deleted - which letters did you send?  Did you send them copies of your disputes where it showed "deleted"?  This is one of the last baddies I have on EX and would like to see it gone!

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800FICOwannabe

06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534

[nothingman02]

Hmm...Asset verified my EQ dispute and re-sent the settlement offer 3-4 days after the account deleted from TU. Ive given up trying to make sense of it. Only Asset or TU will know whats going on I suppose. I am waiting to see if they are gonna update the balances.