Has anyone figured out or ahve a rough idea of the process behind Junum as far as what they dispute or how many items? I just received my first response back from Transunion. I must say I am actually fairly disappointed. I read somewhere back that they tend to dispute items that are most adversely hurting your credit and I also have seen people listing up to 10 things on one round getting deleted. With this round from Junum it seems more they were going for updating information. 1. My chapter 13 filed 6 years ago which is due to come off next year I beleive they had updated to discharged instead of filed. I don't know how bad that really is on a credit report but I can't see it making that much of a difference seeing as it was 6 years ago. 2. They got 1 duplicate entry from the civil judgement (ok thats a good one Ill give em that) 3. They got another duplicate account appearing elsewhere on my account deleted. Thats it. I have about 15 negative items, most stemming from my BK yet none of these were disputed. About 3 of these accounts I can honestly claim as not mine. Yet Junum didnt dispute anything except to have my Bk updated and have 2 duplicates removed. I'm hoping there were some ryme or reason behind what they choose because at this point if they are only doing 3 items at a time and as mediocre as these appear it just doesn't seem worth the money. I was really wanting to give them 3 rounds to see what they could do for me but I feel like maybe its a slow process so that it is prolonged for the money. I'm just disappointed and Im sure Ill get over it and let them try again but Im wondering if anyone else has had much success in figuring out how this works MistyEyed
Misty, it seems to me those were your most adverse...I know from working on my mortgage that the discharged statement is important. You don't want creditors thinking it is in process somehow. I believe they have changed their system of late and are doing more rounds with less disputes to be more effective. I'm not sure at all and you might want to check. Sounds like they did fine! I'd watch your mail to see if you get more updates soon!
I guess maybe I had higher expectations going into this based on prior posts by people using them claiming 15-20 items deleted in one round! had it been me and I was going after the most damaging I would have gone for something more along the lines of recent late pays or the two collection accounts I have on here. I think Ill wait to see what I get back from Equifax and Experian. If I am even a bit more happier with those than Ill let em try one more time and hope for the best. MistyEyed
Misty, that was for all the credit bureaus put together..not in one bureau. I did have 17/18 but it was all of them combined. I think it has to do with how many you have to dispute and the situation (mine occurred because my ex-husband's new wife had gotten her stuff mixed with mine) and I had 2 files so it was a huge mistake My husband had less items to delete and not that big a situation and he had 2 on all 3 combined, after round 2, he has a total of 8.
Miss Nana I am thinking about signing up for Junum this weekend but the only report I could pull was my Equifax..Experian could not VAI me online so I have to wait and send them a copy of my license and some other items..Anyway how much does my score improve with lets say 3 deletions ? Is it like 10 points per deletion or 20 ? And could I send them the credit report I pulled from worthknowing.com ?
Miss Nana..teehee.. Hi, Dino.. I'll tell you what I know I did not know my credit score before joining junum so I'm no good at telling you about the increase..I'm sure someone here may be able to help there though it seems that the scores have no rhyme or reason and how it affects you may be totally different that it affects someone else because of all the other variables. Junum will take the report you mentioned from worth knowing but I strongly recommend you get one direct from the credit bureaus to ensure accuracy!! You might want to go ahead and wait for them all to arrive and then send them in to avoid an extra month's membership fees. Hope that helps!
