Experian Success, YES!!!

Discussion in 'Credit Talk' started by thetravele, Feb 12, 2003.

  1. thetravele

    thetravele Well-Known Member

    Well I recieved some very good news today, two out of 4 items removed. EX FAKO jumped 31 points to 688.

    I just have 1 late by Discover(Verified), and and 3 lates from a LB CC from 1997(Verified).

    Don't give up, it will happen. Thanks creditnet.

    AJ
     
  2. luckymom

    luckymom Well-Known Member

    Yay! Boy that one place must keep looong records ;) Just your luck, eh?

    Keep up the good work!! :)
     
  3. psp in nm

    psp in nm Well-Known Member

    ME TOO!! Got 4 deletions, 1 remains (a pd charge-off from 97) and 1 pending!!
     
  4. ryder

    ryder Well-Known Member

    Were these results from your 1st dispute with EX?
     
  5. thetravele

    thetravele Well-Known Member

    Nope they were from my second round.

    I got 2 derogs deleted first round.

    My first round was around the end of Nov. The second round was middle of Jan. I am going to get my old addresses deleted, then try the third round(going for the knockout).

    I just wish my other 2 CR were as good. My TU FAKO is an ugly 641(just had a collection report). My EQ is in the low 6**(also reporting the new collection). My main problem is my high utilization: $12000 out of $14000.

    AJ
     
  6. kseab

    kseab Well-Known Member

    High fives for the "high utilization" club! Why, pray tell, do they give us credit that you know danged well they want us to run up (the better to make them money) and then punish us for doing what the WANT - and using it??

    The prime customer of a cc co? Someone with a ton of money and no damned sense who will happily use and carry a cc balance but also - oh lookie here - has like a $100k in the bank to pay it if need be. Do these "prime" types even exist?

    You mention that you heard back on your disputes? Do they contact you somehow or do you simply have to check back online? And ... with online disputes do you get an updated cr then (as I recall you should get?) or do they make you pay another $9 to see your updated report again?
     
  7. sunshine71

    sunshine71 Well-Known Member

    Wow thats great results. I had 5 accounts disputed with only 1 account deleted. I am going to try removing all previous addresses- Do you list those as "never lived there" do you have to list a reason?
     
  8. pnwman

    pnwman Well-Known Member

    Re: Re: Experian Success, YES!!!

    Call in they will usually delete on the spot.
     
  9. Butch

    Butch Well-Known Member

    Re: Re: Experian Success, YES!!!

    Huge Congrats AJ, and PSP too.




    Sunshine,

    Begin by deleting those addresses that are associated with accounts you wish to have deleted. To dispute them all at once may produce a red flag.

    Good luck, keep up the good work.

    :)
     
  10. sunshine71

    sunshine71 Well-Known Member

    Re: Re: Re: Experian Success, YES!!!

    Butch

    Thanks for the info... I did'nt dispute all accounts at the same time- within 3 month time span. I will call and delete all addresses but current address. Do they ask you a reason? The address is on the report 4 times-3 different ways, I may run into difficulty on that one.

    Transunion and Equifax were very good to me- Experian has been the toughest.
     

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