I just pulled my TU report and nearly fell out of my chair!!! I *finally* have a clean report - no negatives as far as the eye can see! Thank you to whomever suggested I dispute a department store card as being '7 years old and to please delete'. Technically it was due to stay on my report until 9/02, but by some miracle, it finally came off my report. I'd disputed it every other way known to man to no avail. Came back verified each time. This was my last hope other than to just wait it out. My report looked like this on 9/6/01: 11 negatives 22 positives Score: 635 My report now looks like this on 3/9/02: 0 negatives 34 positives Score: 674 The score isn't a big change I know - during the process my score plummeted to 622 and got as high as 707 (but then Citi and Sears had to fiddle with my report). Plus I had opened some new accounts so the new accounts and the inquiries hurt some. Also, I didn't actively pursue fixing my report until late November. I'm still pretty excited over my first clean report! Now if that department store card would just fall off of the other 2 reports!!!! Oh.. just an FYI - with this nearly 7 year old negative being changed to a positive - I did not gain one single point. Guess I should just be glad it's not listed as negative anymore - and that I didn't LOSE any points!! Had to share - it CAN be done! Ozzy.
Congrats! I have one neg on my TU. I hope to get it corrected sometime soon to have my first clean report. Your success is my encouragement.
Thanks Killer & lg - my poor hubby woke up to me rambling endlessly about one clean report and the distinct aroma of Vicks Vapor Rub .<G>....apparently not everyone likes to hear about credit issues at 4:30 in the morning... or maybe he was trying to ignore me 'cuz of the Vicks <vbg>??? Oh well.. smelly or not, I got me one groovy, clean TU report. =-) Ozzy.
Congrats Ozzy, that's great! I'm sure the score will go up over time now. As you can see all that hard work pays off!
Congrats on the clean report! I'm 2 entries (same one on Equifax and Transunion) from a clean report. Experian cleaned up last month. I don't think the negative being off Transunion or Equifax will help my scores much, because of its age. But, I get tired of explaining it everytime I seek a loan!
That is fantastic, Ozzyburger! LOL, I've been following the ups and downs of your journey, and it's nice to see everything proceeding so positively! Doc
This is crazy. I just pulled my hubby's report - his report is now clean too (yipppee!). HOWEVER.... his score went from 714 5 days ago - to 674 today....only thing that changed was that negative account being moved to positive. I'm stunned... and annoyed. What's extra weird is his TU score and my score are identical (yet I have a busier credit history than him). Our Equifax scores are identical - they were within 2 points of each other for a while. And, now get this, our Experian scores are both 704. How can we have EXACTLY the same scores on 3 different reports, each with different info? George, I think you're onto something with your random number generatory theory.. (err.. fact, sorry <g>).... Ozzy.
Congrats on the clean report. Feels good doesn't it? As far as the TU score goes, ignore it. It is wrong and is usually way off by about 50 -75 points. They created it because of our screaming for scores. The only way to get an accurate TU score is to have someone pull it for you.
That is sooo great to hear ozzyburger... it gives me hope... just started all of this end of last year, and after several successful rounds of disputes, I am down to 6 to 10 negs per report... i know it will feel wonderful to finally get a clean report!! Operation 600 also underway... close enough to smell it... "official scores" TU 585 EXP 613 EQ 552 (maybe higher??)
Congratulations...TU was my first as well. You always remember your first one. Keep going the others will clean up in time. -Peace, Dave
