I disputed 6. Today 4 were deleted, 1 verified, 1 is still in dispute. I have 2 others I didn't dispute. Score went up 5 points. DemPooches
Results were due on 9/15. Today 36 hards are gone!! No change in score yet. Alot of these were mortgage inquiries so I don't know if I will see much scorewise. Anyway thank you Doc! The only one that verified was providian. I did not dispute cap1 since I had opened an account.
Hi Final results 5 outta 7 deleted woohoo I got a couple of points a few days ago when the first few were deleted so I imaginge after creditexpert does its usual system update over the weekend a couple more points are to come.......(which will open the 600 door for me I am soo happy can't wait) Thanks Doc !!! Jamie
Jamie, what do you mean the "CE...usual system updates over the weekend"? I'm at day 30. Disputed: 11 Verified: 4 (including Nextcard) Deleted: 7 (Cap1 -2 inq's) Still under reinvestigation: 0 Score change: 0 I can't believe I have not been given back some points. Why the heck not? I now have no inquiries from the last 14 months. You think my score would have gained at least a point with 7 inquiries falling off. I'll bet I'll lose 5 if I get so much as a single inquiry now. I wonder if GEORGE and I are distant relatives.....
drumroll please! 36 deletions = 4 points. Then again it is not a real score anyway. Its funny how the crappy simulator told me if the inquiries were gone I would have a score of 760. well I went from 639 to 643. Just checked my real score ( Im in the mortgage business) and it is 605, gained 4 points there as well. The other 2 reports are in the high 600's but experian is not being kind to me.
Results are in: 12 hard inq's out of 13 disputed have now been deleted. 1 remains from 11/03/01 for Providian. Really did not notice a score change. Periodically in the last 30 days about 3-4 were deleted and then others remained pending until Friday 9/13/02 checked in about three times yesterday and 1st check 4 more were deleted, then 2nd time checking again and this time 1 was remaining(Prov.) the remainder pending, and later last night I checked the report and noticed all were gone but the 1 lonely inq from 11/01 and my Cap 1 Plat inq from late August 02(was not disputed though) So 1 old inq and 1 rather new inq--maybe that is why did not notice a score inc as the cap 1 inq is rather new???? But so were many of the inq's removed--some for accounts opened Hopefully this will work again for those that did not get to contest their hard inq's the first time through-as for me the soft inq's still remain as they will eventually purge off the account as time passes. Again Thanks for the great info. Good luck and congratulations to all who succeeded with Doc's trick
Just to let you know that Experian claims that they score we see is the score that creditors see. They claim it is the real deal.
all gone..also 2 derogs gone..one being a car repo from 1996. went from 593 to 609 so finally in the 600 club on one report! 16 points. i did a mass dispute..like 30 items all at once. thanks doc and everyone else. I still have work to do though, of course.
I'm curious about something. Did any of you dispute inqs for cards you DID receive? We tried that a few months ago and Monogram Bank closed all 4 of our accounts. It took a couple of calls to their security folks to get them reopened. Needless to say, we've never disputed another inq for an account we were approved for. DemPooches
I remember reading that, so when I did mine, I left the ones for my active accounts. I will have 1 left right after Christmas.
Four out of seven deleted; all hard. MBNA verified three inquiries-- not surprising since I just opened two accounts with them. Seems pretty harsh though-- Three inquiries on Experian and two more on TU for two new accounts. I'm getting a lot of mortgage inquiries right now, so it's been interesting to watch the supposedly real Experian Score dance around with the REAL Real score. 697 (CE)--->673 FICO (two weeks ago) 685 (CE)--->709 FICO (last week) 705 (CE)---> ??? FICO (Today- I'll be getting another FICO this week) BTW, The EQ FICO and the TU FICO have been Spot-On every time.
