Just checked my FICO. Just finished round 1 with Junum and they managed to get 1 deletion of a collection on 2 reports, one of which was Equifax. Also, my car loan turned 1 yr and I've had 2 cards turn 1 yr in the last month. I've gone from a 624 in March to a 642 as of this evening. I juggled some balances too. The one that killed me is a card I charged up the balance on and immediately paid off online. Unfortunately, the balance was reported to all 3 CRA's so it looks maxed out even though the balance is zero. I have 3 collection accounts left on each CRA now and I just resubmitted my reports to Junum with detailed notes on each one about which accounts are good and which need to be disputed. I don't feel I should really have to do this but they have managed to dispute and remove 2 good tradelines. Better safe than sorry. I figured I'd give them one more round and if they still screw it up, I'll cancel then.
I have the same problem with balances being reported. I finally figured out for ALL my cards that the balance on the closing date is what is reported. So, I figure when I am going to apply for a mortgage I will make sure to pre-pay my balance in full before the closing date to fix this problem. It is such bulls* really. I pay those balances in full every month but the reporting makes it like I do not. What a pain.
Tell me about it. One of my cards hasn't reported since April. Same with my car loan. 3 months is $1000 less than the balance my reports say I owe on the loan. It's a $500 difference on the card balance. I'm starting to figure out when some of my cards report each month so I can get them paid down before it goes on the CRA reports.
The only way I could get DISCOVERCARD to reflect the "FULL" payment I was making, was to OVER-PAY...(INCLUDING THE CHARGES NOT BILLED YET)...
