I just got the results from my investigations with TU, EXP, and EXQ. From Experian: Providian Financial (Paid Chargeoff) Account Number: xxxxxxx... Outcome: Deleted TXU Electric (Paid Chargeoff) Account Number: xxxxxxx... Outcome: Verified Disputed 7 inquiries Outcome:6 deleted Score: Before 577 After: 621 From Equifax: Providian Financial (Paid Chargeoff) Account Number: xxxxxxx... Outcome: Deleted TXU Electric (Paid Chargeoff) Account Number: xxxxxxx... Outcome: Verified Swift Recovery/Paid Apt Collection Account Number: xxxxxxx... Outcomeeleted Score: Before 601 After: 643 From TransUnion: Providian Financial (Paid Chargeoff) Account Number: xxxxxxx... Outcome: Deleted TXU Electric (Paid Chargeoff) Account Number: xxxxxxx... Outcome: Verified Swift Recovery/Paid Apt Collection Account Number: xxxxxxx... Outcome:Verified Disputed 4 inquiries Outcome:Received form letter Score: Before 578 After: 618 I was also able to have TXU delete by complaining through the BBB. So hopefully that will be falling off shortly.I will only have the apartment collection on TU and a bunch of inquiries from "free" auto insurance quotes on line back in November 2001. I couldn't have done it without this board! I've been studying for hours to get my reports in order and I owe many of the regulars here a heart felt thank you!
The apt collection remains on TU so I sent a validation request this morning. Even if they can validate it will be coming off in September of this year. I'll keep at them and see if I can get a few inquiries knocked off.
