O.k., my last BK fell off my EQ report on the 4th of this month. This BK was to be 7 years old (chpt 13) this coming December. I think they kicked it off as soon as the new year began. Anyway, my score was 625 before the removal. And now it is 609? All inquiries and collections are the same. I guess I didn't realize a BK removed would mean a negative impact. Does a BK somehow show history? Now I have both EQ and EX with no public records. In the last 6 months they have removed 7 BK's and perhaps 30-40 other negatives including judgments. TU is the only holdout. They have a BK 13 from 2000, 7 judgments, and multiple collections. I have 5 collections remaining from a firm who agreed to delete for settlement but only TU has deleted 3 of them while the other guys have not deleted yet. I'm not sure what to do right now. I'd like to go ahead and dispute more items but I think I need to give it some time. If you don't mind, here is a broad look at my credit reports... TU Mortgage -neg 30-60-90 late paid closed 2001 Cap1 -neg (reworded providian account) 2002 Providian -neg 1999 FMCC -neg paid C/O 2000 Alltel -neg unpaid 1999 NCO -neg unpaid 2003 collection -neg 2003 7 medical collections from 1997 to 01/03 BK 13 from 2000 7 judgments from 1998 to 2002 1st premier -good UCFS -good (my Kirby!) Amex blue -AU-good FMCC -good Cap 1 -good Dillards -good Rogers and H. -good Car loan -good 5 credit union accounts -good Sunoco -good EX Alltel -neg 6 medical collections FMCC -paid c/o 5 medical collections (suppose to be deleted) Mortgage (shows foreclosed) 2001 car loan -good FMCC -good 1st premier -good EQ Collection -neg 2002 collection -neg 2002 5 medical collections supposed to be deleted FMCC -neg And then the same good accounts as TU My scores are 609 for EQ, 538 for EX and 543 for TU. I should note that EX does not show hardly any good accounts like the other two do. I have asked the lenders and all say they report to EX. Who knows? Well anyway, that is an update to those who care. Even though there are a lot of baddies still there, those who remember my old posts should know that I have had tons removed to get to this point. Any kind of suggestions with these accounts/reports? SnakeMan
Yes, BKs show history. I will have the same thing happen in about 1 year. TU had deleted every negative except my BK which is now 6 yrs old. They have my mtg and 2 cc's - nothing else, which makes my good TLs only 1.5 years old. I don't know what you do about TU for disputing. I have ALWAYS done my disputes online. Within the month - gone.....every time!
I use transunions "truecredit.com" Where do i go to dispute online with TU? BTW, I am in Michigan and my TU report is serviced by CBC out of Buffalo NY. Thanks! SnakeMan
I use www.tuc.com I get a free report by saying that I was denied credit in the past 60 days and pick a creditor name (they don't check). You can dispute on their website.
