I just got my score and it is 700. I don't know if this is accurate, I have never seen my real scores. They pulled equifax which now has 4 neg accounts and 9 positive accounts. I disputed somethings online last week and they already completed it. My 1-100 score is 60. My credit rating is "good". I am going to dispute a few more items and then if they get removed I'll check qspace and see if I have improved. I feel that 700 is a little high. On those free simulators I scored a 630 about 2 months ago, although I did have 2 charge offs and one collection removed and have had 3 or 4 positive accounts added (that was on my equifax report). They said I have $4222 in revolving credit limits and a revolving balance of $382 which is just about right. But they also that I have $3800 available credit on my revolving accounts, THIS IS MAKING YOUR SCORE LOWER. HAVING VERY LITTLE AVAILABLE CREDIT IS A NEGATIVE FACTOR. What???? p.s. has anyone else disputed accounts on equifax and if so, do they send you an updated copy in the mail?
RE: my qspace score, I had to That's sounds like a great score Molly. Are your negatives accounts fairly old??
RE: my qspace score, I had to Coast Proffessional Services (S. Loan) date of last activity 6/96. Citibank Student Loan date of last activity 5/95. State Student Aid date of last activity 6/95 Unipac (same student loan) date of last activiy 10/96. This is the same student loan. All four times.
Molly You mentioned the online dispute with Equifax. I have this also, how do you check to see if your disputes were deleted on the site????
RE: Molly I made a mistake Unipac date of last activity is 6/97. Just go to where it says start an investigation and put in the conf. # that they gave you when you completed the online investigation. When you key that in they will say, you already have an investigation in progress, that is if they haven't completed it. And if they have you will get to see your report and then you can dispute again. I disputed 2 old addresses, I checked once about 2 days after I started the dispute and it said "you already have a dispute". So then I checked back about 4 days later and it let me see my report and they were gone. I also disputed and account that was just recently closed and I couldn't tell if that was updated. I no longer had the option to dispute account closed for that one. So I don't know whats up with that account. That is why I want to see the real report.
