I know this question is a difficult one but- I just got my updated report from transunion, (disputed by Junum) and every negative listing was deleted. My scores were right about 600. Now with no negatives and 9 -10 positives, some as old as 6+ years, how much might I expect my scores to go up? Anyone have a general idea?
LKH, I am not positive, but I bet your score is over 700. My Qspace score was 756. I had 8 positive accounts with the oldest being 7 years and 9 months. I have one small installment loan that was paid in full with no lates and an auto installment loan that was paid in full 6 months early with no lates. I also have one retail card. In addition, I have one 30 day late. The remainder of my accounts are Visa & Mastercard. I bet your positives resemble mine. I hope this helps and congratulations on your accomplishment! I know how hard you have worked for this! BTW, I'm still boycotting Citibank. ;-)
I have 5 mc & visa accts. I also have 1 pd. student loan, 2 pd. auto loans and 1 current auto loan and 3 current student loans. Wow - I guess that's more than 9. Anyway there is no negatives or lates on any of these. I hope you're right about my score being near 700 but I really can't see it jumping almost 100 pts. because of the negatives being gone. Some of the negatives that were just deleted were 5-6 years old so maybe some impact on my score but not much. Also, I am anti citi also.
LKH, How long you been with Junum? I had some things deleted, some were verified. One medical collection was verified, so I'm going to write the "I'll pay you if you remove" letter near the end of the month. Anyone have one of those that I can use?
