Hi, all. I am a newbie and have done nothing but read, read, read in regards to Creditnet... I posted a post a week ago which received no replies, but managed to find my answers by doing a PG What-If simulator. I pulled my Equifax Fico on myfico today and noticed that my 30 day derog from JCPenney is showing. Just a brief history on this, I was never late (honestly) and wrote JCPenney a goodwill letter. They responded quickly with a letter stating: "Please accept this letter as written confirmation that a request has been sent to the CRAs, Exp., Eq, and TU, to delete all derog. info. fm. your cr. bur. file, pertaining to your JCP cc acct. Please retain this ltr. for fut. ref. We apologize for any inconvenience this may have caused you. If you have any questions or if we may be of further assistance, please contact us atht ehohne number shown below..." Now, on PG it is showing the derog being deleted on all three. I pulled my Experian report using scorecard.experian.com and it is also showing the derog being deleted. However, on mfico it is still there. So, I did an online dispute so this will be deleted, through CSC, per instruction from Equifax. What is going on? What disturbs me is that it shows there but nowhere else, even the PG Equifax report. And...now, I'm going to have to pay to get my Fico score again...or am I? Will they send my new Fico score after this derog is deleted? Also...a general ?. I read somewhere that once your last derog falls off, you can expect to see a jump of 100 points or so. What has your experience been with this? I have one more derog. after JCP is cleared off completely with Vic. Sec. which I'm hoping will come off. I did an online dispute as never late on that as well, on May 9th. It's from 1998. If for whatever reason they won't take it off it will fall off in two years so I'm not too worried. My goals? I'm going to be applying for a very large construction loan (jointly) in 2-3 years, depending on how long it takes me to knock out my cc debt. We already bought the land (6 acres just West of the city) and now are focussing on getting my debt paid off. I realize that part of the reason my scores are low is bc of high utilization. But, it's also due to the 2-30 days late derogs: one from JCP and one from Vicky's Secret. We are set on our vehicles (I have a new Tahoe, he has a new Truck and TransAm) and toys (boat, motorcycles, etc.) we already own our current home (okay, the bank owns it but no need to apply for a mortgage anytime soon). So, I have time on my side, can I feasibly expect to get my score up to where we will be considered prime? I know that his scores are 100 + points higher than mine, that's all I know about his immaculate credit history. TIA for your input!! Fico (Equifax) with JCP derog which needs to be removed: 632 PG: Equifax as of 3/27/03: 634 (b4 JCP derog was removed) Equifax as of 5/16/03: 650 (JCP derog gone) PG: Exp. as of 3/27/03: 639 (b4 the JCP derog was removed) PG: TU as of 3/27/03: 628 (b4 the JCP derog was removed)
