5 hards deleted. Some softs deleted, couldn't keep track as well b/c w/ updates, the softs comes back on again. Nextcard verified.
8 Hards: 6 disputed - 2 I left alone. 5 deleted. One remains... but the date is 9/15/2000 so it leaves tomorrow. That leaves the 2 I didn't challenge since I had just opened accounts with them. 15 softs challenged. 1 verified, 1 still in dispute, 13 deleted! WHOOOOHOOOOO!!! Thanks Doc!! We Luv YOU!
8 disputed, 7 deleted!!! wouldn't give out too much info with so many inquiring minds wanting to know. I figure if you give names of creditors deleted, someone can trace your name back to your report. NEVER PUT ANYTHING PAST THE "BIG THREE."
7 of 8 hard deleted, one "verified." Net gain 8 points. Wahoo!. now just 4 mortgage related inqs from my refi, and 1 add'l.
Way to go everybody! George, one tip you should remember in case we're ever blessed with Round 3 of Doc's Trick: DON'T CLICK TO ADD COMMENTS WITH YOUR DISPUTE. When you said that you called them "duplicates" I fear that you added comments. When you add comments, that automatically queues your dispute for a real live human being to READ your comments. You don't want that to happen. Instead, you want the computer to handle it completely and automatically where at a certain point the item drops off if it hasn't been verified/"pinged" by the creditor's computer. Doc
FINALLY! I'm at day 31. Disputed: 11 hard Verified: 4 (including Nextcard) hard Deleted: 7 (Cap1 -2 inq's) hard Still under reinvestigation: 0 Score change: 16 points up(????????) When CW 'updated' yesterday/today I saw that my score had gone up 16 points, but I also had a new revolving account report that changed my CC utilization from 69% to 39%. So I'm not sure of what I gained from the points. At any rate:Thanks Doc!
6 of 8 Hard inquiries were deleted, 2 within last 6 months. I wish I would have disputed everything, I didn't want to be greedy.
I loveeeeeeeeeeeeeee you, Doc! TY, TY, TY and TY again. All but 1, the same one remaining from round 1, CBE Group, hmmm to them, are gone. Sassy
Doc (or anyone in the know), Is this true for ALL EXP disputes? Meaning that if under Request An Investigation you select one of the reasons and not Other where you add your own comments, then the dispute is computer to computer only? And that if you use the Other category, a human reveiws the dispute? Or is this true only for the inquiry disputes?
Doc's trick results (email notification came on 9/14): - hard inquiries: 6 --> 4 DELETED (Citi, FUSA, Cap1 off!) - soft inquiries: 39 --> 37 DELETED (CB&T, CreditExpert from Jan.2002[oversight] remain) CE score went up 16 points! THANKS DOC & thanks CreditNET! Eddie F. ============== EXP 660 +16 EQ 650 N/C TU 638 (?) ============== Next step student loan lates!
all my hards that i disputed went bye-bye....only gained 5 pts though. There were about 8 hards deleted. All were over 6mths old though.
I just wanted to say congrats to everyone!! Doc, you are definitely an asset to this board. I am also very sad because I didn't take advantage of your trick when it is was working. Oh well, maybe Doc's Trick will work again someday(sigh). I can only hope.
Doc's trick worked for me. All of mine were deleted I had six hards and 10 softs. Everyone was deleted. The softs were deleted almost immediately, while the hards all took the full 30 days.
Fiance: 4 hards deleted Friend 1: 8 hards deleted Friend 1's GF: 7 hards deleted Don't know score increase...
Hi all Well I disputed 15 derogatories and got 9 deleted from my Trans Union credit report!!! Score when up from 499 to 663!! Now I will start with the inquiries. I hope I have luck there too. Thanks for everything.
Excellent!! Hope my quest is as good as yours. How old were the derogs? BTW, their talking about Hard and Soft Inquiries.
