deletions and credit score

Discussion in 'Credit Talk' started by LUISEMILY, Nov 19, 2001.


    LUISEMILY New Member

    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
  2. LKH

    LKH Well-Known Member

    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.
  3. ohnostuck

    ohnostuck Well-Known Member

    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.
  4. raiderpam

    raiderpam Well-Known Member

    Same thing happened to me!!

    GEORGE Well-Known Member

    How would you like to pay $30,000 in one month and LOSE points???

  6. lbrown59

    lbrown59 Well-Known Member

    I do: It's a rigged shell game!
  7. beary

    beary Well-Known Member

    As a point of reference for another active discussion on this board right now, exactly how did you get the repo removed?

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