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@MrCreditInternational wrote:
@JagerBombs89 wrote:
Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!
Not only that, but the "Date Closed" is missing as well!Why did they add the 120 late?
According to the EQ rep, once the creditor validated the information, they put the "last status" (120 days late) as the most recent status in the 08/2019 payment history. Doesn't seem legit, so I'll probably have to call back.
@EW800 wrote:
@JagerBombs89 wrote:
Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!
Not only that, but the "Date Closed" is missing as well!NO! Are you kidding? What do you make of that? Was it to the same mortgage account? I assume you will be fighting that?
So sorry...
I'll be getting my free EQ04, EQ09 and buying EQ08 from Experian all here within a week. Going to wait and see if there was a significant change in score. EQ did say my my account can be deleted in Dec. 2021, so, I'll have to weigh the options of fighting it or not.
@JagerBombs89 wrote:
@MrCreditInternational wrote:
@JagerBombs89 wrote:
Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!
Not only that, but the "Date Closed" is missing as well!Why did they add the 120 late?
According to the EQ rep, once the creditor validated the information, they put the "last status" (120 days late) as the most recent status in the 08/2019 payment history. Doesn't seem legit, so I'll probably have to call back.
@EW800 wrote:
@JagerBombs89 wrote:
Tried the same dispute with EQ and they added a fresh 120 day late dated 08/2019! That certainly was a backfire!
Not only that, but the "Date Closed" is missing as well!NO! Are you kidding? What do you make of that? Was it to the same mortgage account? I assume you will be fighting that?
So sorry...
I'll be getting my free EQ04, EQ09 and buying EQ08 from Experian all here within a week. Going to wait and see if there was a significant change in score. EQ did say my my account can be deleted in Dec. 2021, so, I'll have to weigh the options of fighting it or not.
Wow, please keep us updated. So sorry to hear this, however it sounds like you have a good plan.
@EW800 wrote:Wow, please keep us updated. So sorry to hear this, however it sounds like you have a good plan.
So EQ09 went up 2 points, EQ08 stayed the same as last month, but EQ04 dropped 20 points. I never did call EQ back and was just going to accept a 2-year drop off period when I logged into CreditKarma earlier - EQ DELETED the foreclosure!!! I just had to buy some new scores!
FICO Scores as of 10/2019 - (all scoring models):
Equifax08 - 826 Experian8- 724 Trans 08 - 808
EQ Home - 809 EX Home - 725 TU Home - 800
EQ Auto 8 - 844 EX Auto 8 - 753 TU Auto8 - 826
EQ Auto 5 - 827 EX Auto 2 - 743 TU Auto4 - 830
EQ Bank8 - 848 EX Bank8 - 740 TU Bank8 - 831
EQ Bank5 - 828 EX Bank2 - 749 TU Bank4 - 833
Equifax09 - 820 Experian9- 779 Trans 09 - 809
EQ Auto 9 - 843 EX Auto 9 - 789 TU Auto9 - 823
EQ Bank9 - 831 EX Bank9 - 783 TU Bank9- 821
Congratulations, Jager!! You have had a GREAT recovery!!!! Doesn't it feel great!
It will be interesting to see what points you get when your auto loan goes down some. When my auto loan went below 10% (paid down a couple of years in advance), my auto-enhanced scores went to about 898 to 900.
You have had a great recovery!!! I remember when you and I started this journey together! We need to go our for a cold one!
I was just going back through your amazing story and recovery again. You really have recovered nicely and it is so great that you now have the foreclosure off of EQ and TU!
When do you hope to have it gone from EXP?
@EW800 wrote:I was just going back through your amazing story and recovery again. You really have recovered nicely and it is so great that you now have the foreclosure off of EQ and TU!
When do you hope to have it gone from EXP?
I'll either try to get it removed or I'll just wait out the next 2 years. I'm not too worried as if I need credit, I'll just keep EX frozen and pull from one of the other two. Plus, mortgage is now ready since they use the middle score
Doesn't look like I have much more recovery to follow, until my foreclosure drops from Experian, but here's the latest anyways!
FICO Scores as of 12/2019
Equifax 04 - 809 Experian8- 728 Trans 08 - 815
Equifax 09 - 820
FICO Scores as of 01/2020
Equifax 04 - 809 Experian8- 728 Trans 08 - 811
Equifax 09 - 820
FICO Scores as of 02/2020
Equifax 04 - 809 Experian8- 728 Trans 08 - 811
Equifax 09 - 820
FICO Scores as of 03/2020
Equifax 04 - 809 Experian8- 728 Trans 08 - 811
Equifax 09 - 820
FICO Scores as of 04/202020
Equifax 04 - XXX Experian8- 730 Trans 08 - 825
Equifax 09 - 820
Jager,
Thanks for the update! I have thoroughly enjoyed following your journey, especially since we share very similar stories, going from high scores, to the toilet, and back up again! Looks like you have had an amazing recovery as well. Congratulations!
Your earlier comment is spot-on. No matter when the baddie falls from Experian, your middle mortgage score is beautiful!
Thanks for keeping up with the updates over these years!