Junum Update III - Experian

Discussion in 'Credit Talk' started by Cadillac408, May 16, 2001.

  1. Cadillac408

    Cadillac408 Well-Known Member

    O.k. all though I canceled Junum, I got copies of my Experian report from round 3 (I guess?).


    AU on Household MC chargedoff (Deleted)
    First USA card reported lost/stolen (Deleted)
    Student loan reported as a collection but now current (still pending)

    The Household one was a major victory. Don't really care about the FUSA and the student loan was inaccurately reported and the school was supposed to update it. Guess I better follow up on that.
  2. mother2

    mother2 Well-Known Member

    Why did you cancel Junum? Is it because you finished 3 rounds or something neg?
  3. Cadillac408

    Cadillac408 Well-Known Member

    I don't know why anymore. Originally I was frustrated at the fact that they claimed that they were sending out disputes but when I could call the CRA's, they had no record. But now I'm beginning to wonder because these dispute results from Experian just popped up out of the blue. I'm not going to say anything negative about Junum. They got 19 (now 21) deletions for me. But I feel that there isn't much that they can do for me now. Plus I would rather have control over my own disputes from this point on. There is very little negative stuff left on my reports. I have to go through my reports and see what's left. Right now there are 1 judgment and 2 student loan collections on Experian left. Don't know about my other reports at the moment.
  4. Nave

    Nave Well-Known Member

    Don't know why either. Sounds like you're still getting results. I think if I end in a similar situation, for 32 bucks I will let it go 1 more cycle (60 days) until I had a round where no action was taken at all...then I'll do the remaining items on my own. Are the remaining items - verified items - during past Junum disputes? or were they not disputed by Junum yet? If they had already disputed once or twice and they were not getting them removed, I would stop as well. I agree that if and when I have only a few items I may opt to take care of them on my own though.

    Oh well congratulations on the last few deletions, and good luck with the rest, let us know what results you get removing the remaining sticky wickets.

  5. MikeB

    MikeB Banned

    I am also planning on dropping Junum this month. I called Equifax, and they never got my dispute. It is probably the CRA's fault, but now that I have the knowledge, I might as well dispute myself and save the money. I would recommend Junum to anyone just starting out.
  6. Ender

    Ender Well-Known Member

    MP$40, I was wondering - were most of the negatives on your credit reports paid or unpaid? I am curious at Junum's success rate based on whether they are paid or not. Thanks..
  7. Cadillac408

    Cadillac408 Well-Known Member

    Yes they are items that were already verified at one point in time.

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