I pulled my credit reports back in April of 2003 because we were trying to refinance our home. We had a Chap 13 that was filed in 98 and discharged in 2002. I felt overwhelmed when I saw all the derogs on our report. There were 5 accounts that had been "purchased" by Sherman Aqusitions and the original creditor was showing as a derog in addition to SA. My FICO was 602....605 and 614. I did get refinancing and although the rate was at a lower % than I had it was still way higher than if I'd had better credit. I also purchased a new vehicle at 7%. I drafted some letters of dispute to send out but my husband became ill and I put them aside. I pulled mt credit reports yesterday and a lot of the derogs are gone! Sherman Acqusitions is gone! The SOL is still running so I'm mystified as to where the negs went...but I'm not planning to ask about them! My scores are now TU 669.....ESP 650 and Equifax 645. I have learned a lot from this board. Many thanks!
Thanks! I was so pumped by my scores that I got those drafts out and started my disputes to get rid of the rest of the derogs!
