Hello my fellow credit junkies! Today is a good day! I have to be honest I was beginning to be discouraged and was going to wait for my last results to come in and then hand it over to Lexington or someone else. We must REFI or buy a new house sometime next year and I am getting tired. But today I am reenergized! My story-To date I have disputed 38 items. I immediately had success with about 25 old ones (1994-1996) that came right off, mostly due to age. My score didn't go up much in my opinion (from 525 to 580 or so on average) but hey-my reports sure went down in number of pages! Over the past week, I got back 6 credit reports-3 from TU, 1 from EX and 2 from EQ/CSC. I got my last old or paid baddies deleted! I am now working on my last tough ones...a few late pays from almost 2 years ago with Cap One (Goodwill letter sent 10-27) Then I have three Collections that are valid. One is 7 years in February of 2004 so I will stop worrying on that one until then and then dispute it as obsolete. The other is a debt that I am 100% positive isn't valid, but can't seem to get the phone company to agree. (Long story) It's recent (2000) so I'm ready to give up the fight and shell out the money so it will show paid at least. It's my last open one on TU and not reporting on the others. The last one is a medical bill that will go to 7 years from DOLA in 6/2004. That one has been sent the HIPPAA letter, and is out of SOL too. So...the moral of my story-KEEP FIGHTING, Don't quit just because you are discouraged. I ran my FAKO score today vs. last week and it's up 35 points. That's not even showing my last round of disputes. I will run my fico on the 1st of the month and see true numbers. I can't wait. I think PG is obviously way off most of the time as far as actual number, but it's right on as far as if it moves up a bunch your real ones will too. (IMHO) Thank you to everyone on this board for their helpâ?¦and patience with repetitive questions.
The other is a debt that I am 100% positive isn't valid, but can't seem to get the phone company to agree. (Long story) It's recent (2000) so 1*I'm ready to give up the fight and shell out the money so it will show paid at least. It's my last open one on TU and not reporting on the others. almostther ================== 1*What good will that do for your credit Pray Tell ! ?? What's the logic in paying them a debt you don't even owe just so they can screw up your credit with it for 7 years????? THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
When I go to refi in the spring or ge a new mortgage if we sell-I want a prime or near prime loan and they want them all paid or off the report.
If you've been in contact with the phone company, it's not your account, and they won't correct it, why not just sue them in small claims court? Sue them for reporting inaccurate information. Sue the CRA as well. I suspect at least one of them will settle and delete the account.
An update to my scores: From my fico: 01-01-00 EX485/TU425/EQ455 01-01-01 EX500/TU485/EQ501 10-26-03 EX568/TU589/EQ581 11-26-03 EX566/TU605/EQ624 My largest jump is 43 points with EQ!! I am so hyped again! I need to really figure out my Experian report, because the items are the same but the score is a lot lower than the other two. Couldn't have done it without all of you guys...thanks!!
An update to my scores: From my fico: 01-01-00 EX485/TU425/EQ455 01-01-01 EX500/TU485/EQ501 10-26-03 EX568/TU589/EQ581 11-26-03 EX566/TU605/EQ624 My largest jump is 43 points with EQ!! I am so hyped again! I need to really figure out my Experian report, because the items are the same but the score is a lot lower than the other two. Couldn't have done it without all of you guys...thanks!!
I am 26 years old and I am just starting the credit repait process. I would like to know how do I get paid charge-offs and collections deleted from my files to make my score go up...
New Member Must Reads.--------------------------- http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=350770#post350770 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=314910#post314910 http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&postid=352826#post352826 *** Victims of Credit Reporting *** http://members.aol.com/victcrdrpt/Score.html Sample letters http://consumers.creditnet.com/straighttalk/board/index.php?s= WhyChats statute of limitations http://community-2.webtv.net/Y-chat/WhyChatsCredit/ http://community-2.webtv.net/Y-chat/WhyChatsCredit/ statute of limitations http://www.edebtnetwork.com/content/collection_laws.asp""""```--~~~~~~~~~--```'""''' THE END ** *** ** LB 59""""```--~~~~~~~~~--```'""''' """""""""""""""""""""""""""""""""" FixYourOwnCredit! http://consumers.creditnet.com/stra...848&highlight=fix+AND+your+AND+own+AND+credit """"""""""""""""""""""""""""""""""""""""""" '''''''''' `````````` '''''''''' THE END ** *** ** LB 59 """"```--~~~~~~~~~--```'""'''
