I've seen a whole lot of posts about Ex 'bumping' scores up while an account was in dispute. While my big bad is under dispute, and another of my negatives was just deleted (it was not updated since 99, I wonder why it was deleted... ) I was debating whether or not I should re-try opening up the account that was denied in March; since then the $3,000/$5,000 C/O that was one of the most damaging chunk was nuked by a settlement with the FTC, and finally deleted (after Ex verified it). And I have 4 (3 with the one in dispute removed) negative tradelines, and 8 (mostly student loans, deferred) positive tradelines. The total of the negatives is about $650/450 (balance/original) -- with the big bad it's $1,000 more than that... The account I'm wondering about would be a Sprint PCS account. About a week ago, my Ex score according to ConsumerInfo.com was about 641, that was before the one account was deleted, and probably before they started processing the dispute on the other account.
I believe it is Equifax that gets the bump in scores. There's even a question about whether that happening with them since the new format change.
I HAVE DISPUTED...NEVER got a bump in the score...BUT I never disputed a "BADDIE"...only trying to make it report 100% correct!!! AFTER losing AMEX BLUE on EXPERIAN...I have to be real careful!!!
Too many e*'s to keep track of... Too bad no one that I've applied to has tried to pull an Eq report, most try pulling TU, now Ex appears to have my best score... I hate Eq's new format though, can I say that again, I really, really, really hate Eq's new format... Two Eq's new formatted reports this month, and probably get another one shortly, and each one makes me go a little more cross-eyed...
