I posted a mesage about month ago about how to get paid charge offs off credit reports well i will have you know i was quite successful. equifax 8 items were disputed 7 were deleted and one verified ? mont wards out of buisness but that due to come off 11/2001. score actually went down 579 to 564 experian 6 negative disputed 4 2were deleted 2 still pending credit trust now nco sent validation letter 2 with late pays were changed score 525 17 positives with 4 negatives now scores are saying i have to new of credit , to high installment loans all paying on time one is a auto loan 2 are personal loans from creit union with good paying history . they were the only people to extend credit what is a person to do. it seems to me you can't win our credit reports look good but our scores stink any suggestions and by the way a persons credit score does not change when you are disputing items just a fyi who will give us credit with scores like that.does any one look at the credit reports anymore thanks everyone for all your advice
Scores DO go up when disputing. When I was in dispute mode, I disputed 5 items on equifax and my score went up 61 points while in dispute. 3 were deleted, 2 verified, and my score went back down 30 points.
I still don't get the whole scoring crap, I guess nobody does. I had a charge off, repo and a collection taken off leaving only 1 negative and 1 inquiry in 6 months and my score went DOWN 61 point.
How would you like to pay $30,000 in one month and LOSE points??? F.I.C.O. IS A RANDOM NUMBER GENERATOR!!!
As a point of reference for another active discussion on this board right now, exactly how did you get the repo removed?
