I disputed two collection accounts (the only Baddies left on any report) and my score just jumped in 3 days to 705! One is for $550 and is due to fall off 11/02 so I disputed it just to see if they would drop it. The other is $94 and is due to fall off 7/04 and if it verifies I am going to send them a pay for delete letter. I know that my score may not stay over 700, but I am glad that I can see the light at the end of the tunnel. Thanks to everyone here for the knowledge shared.
Congrats! I hope everything comes off and stays off for you. I just had a go-around with EQ and everything came off landing me a solid 87 points to 703. I hope you top that with 91 points! Way to go!!!!
Mike that is very encouraging news, how many times had you disputed your Tls w/ EQ before they took them off? And how long did they take?
Two of them I had disputed twice. The others were only once. Because EQ failed to put them in dispute status, and never updated them, I waited until the 30 days was up and faxed them a very strongly worded letter citing 12 violations of the FCRA. Got a call 30 minutes later and all derogs were removed, including one I didn't dispute. I've been disputing for over a year various TLs. But just this last month got sick of EQ not verifying, so I collected all the evidence and fired it back. They folded. Now I just need to fix my utilizations.
