505 middle score to 655 in 18 mos! I have raised my score by simply making the cra's work. Disputing everything possible. When I started I had major derogs that were derog but being misreported. I got 9 derog items deleted. I paid off original creditors and disputed the collections. I got 3 nco collections removed. (I believe NCO is the nastiest collection agency out there.) I spent about 3 hours once a month and pulled all three bureaus on their websites and diputed everything from DLA's to the number of times I was late. Make 'em work.
Re: 505 middle score to 655 in 18 mos! Congrats! How did you get NCO to delete? They are impossible to deal with. I think they're trained to hang up on people.
Re: 505 middle score to 655 in 18 mos! I paid the original creditor, got a letter from them and mailed it to NCO and Trans Union. It took 3 months but it worked. The funny thing is that NCO sold the account back to the original creditor and still validated the account as unpaid after I paid it. Then they tried to report it as a paid collection. I then had to refax the paid letter to nco twice and they removed it. I just called and killed them with kindness. Most of those reps know when they have to comply.
