I got my final round 1 results from EX today. It was a mixed bag: I asked that four currently open accounts be updated (they still showed currently way past due) Cap One Updated correctly Conseco - Updated to paid never late!! Wonder if that was EX's doing...seems Conseco is a little busy with their BK right now...LOL GMAC - updated with closed at consumer's request. WTF--its an installment loan. They had deleted all my lates on Equifax earlier - need a plan of action to get them to do same on TU and EX HH Bank - updated but still showing full balance in collections. This is not what my statement says! Wrote them a syrupy sweet letter, will see if that gets me anywhere. Old Stuff FNANB verified Foleys verified - I HATE THEM. Reporting 2 accts on each of mine and DH's reports. (12 tradelines) None of them agree, so I will start harassing them directly. Texaco updated to paid as agreed, never late $201 past due as of 11/2002. Its still registering on the "Good Standing" side though. Best Buy - closed acct. they deleted my lates! CE is still showing yesterday's score, hope to see a jump tomorrow.
Hi Charlie, This was my first CHOD. I was just hoping the best for everyone during this time. I never expected it to be a cure-all. Have you had any positive results from your disputes yet?
Here are the results so far: EX-(score dropped to 555) 3 items deleted (OSI Collections, 2 Autobond Acceptance Corp accounts) 4 items pending until 12/25/02, 6 items pending until 1/3/03 1 item verified (Monterey Collections-paid CO that will NOT go away until 08/03) EQ -(same score) 7 items pending until 12/25/02 5 items pending until 01/02/03 2 items pending until 01/10/03 TU -(same score) 2 items verified (First Cons Natl Bank, Household Bank) 3 items pending until 12/27/02 I guess my success has been the luck of the draw so far ... Good luck to everyone.
Update on me.... EXP deleted a charge off today. Verified a First Premier late pay. 4 items still pending. Update on DH.... none, really, still 1 item pending and I fully expect it to be verified since it's late pays on Capital One.
So far, so good. This is my first time disputing.... Myself: Exp - 4 items currently in dispute (charge offs) Eq - 5 items currently in dispute (charge offs) TU - not sure, did not get blow off letter (yet) Husband: Exp - 4 items currently in dispute (charge offs) Eq - 5 items currently in dispute (charge offs) TU - Got the 'blow off' letter w/ list of creditors, I am mailing out a response to this, in the morning. Although, I do not have any results yet, I am happy that I was able to get 5 out of 6 reports into dispute. My fingers are crossed, and I will update when I have results!
Equifax is in for me, hubby's due tomorrow. 1 out of 3 "not mines" deleted - I hate Foleys. 2 out of 4 inaccurates - deleted. Conseco must be really busy. Capital One deleted - I was shocked. Household Bank - messy update DOLA 8/2002,pays 61-90 bal $436, past due $20 12/2002. Says updated 12/2002. Absolutely everything they "updated" to is wrong! Texaco - downgraded from R1-R5. Maybe if I write Texaco a check for $0 they will clear that $0 they are reporting as past due? Getting the courage up now to have my first newbie vs. TU battle.
I only disputed with EQ. I'm 0 for 3. I disputed 2 tradelines that had 30 and 60 day lates. These both had been verified before and were again. The one added 9 additional 30 day lates, not what I was hoping for. The third one was NextCard I disputed it as closed by consumer, which I did before the transfer to Merrick. They verified it as open. How the hell can they verify it as open with a company that is gone?
No deletions what so ever! In fact I gave EQ additional info stating I had a letter in hand that the company sent me. They still verified. How could they verify those dates when I just received this letter from the OC. The OC doesn't even know what they reported as they pulled my credit report. I am spent!
I sent disputes with all 3 CRAs, got the the green cards back but no response as of yet. According to CreditExpert, only 1 out of my 2 disputes to EX showed up as "blue". As of the other day, all the accts I claimed as not mine showed up as verified -- bummer! I'm really anxious to see what kind of results I'll get from TU and EQ...
Hubby had 100% success w/TU Chod 4 for 4 bad accounts deleted, 1 tax lien (showing unpaid 36K - but paid) deleted. One open baddie deleted. Folks, if you have any disputes with Conseco now is the time! I guess the BK is keeping them busy. We are 6 for 6 good with them either deleted or paid never late.
Mixed bag for me so far: Exp: 2 of 4 paid collections deleted. other 2 verified. TU: 1 deleted paid collection, 1 verified. 2 pending. Eq: no results yet; disputed 2 paid collections and 2 late pays. Overall, not too bad but not really much better than I've experienced during any of my other disputes. BTW, Exp and Eq were done online, TU was through CRRR.
3 more days so far NOTHING... still blue on exp, reinvestigation on eqx and of course it shows nothing on tu if my late pay gets verified, IT IS ON cuz I have a letter sitting here saying DUDE WAS NEVER LATE
update: all CHOD attempts have failed. each one either got verified, or updated to a crappier state. oh well
I am sorry Mark. Just be patient. I have been losing the credit battle as well. It has gotten to the point I don't care ALMOST. I have had my credit clean for a while now. But I battle Efx everyday for merging my files. I may have a clean report one day and 15 derogs the next. It has been an ongoing battle. Finally when I think Efx decided to play nice and leave MY report alone, over the weekend I noticed a company put a late on a CLOSED account. The status is currently past due but zero balance. It dropped my score from 679 to 552. I have recieved the UDF b/c it was really a mistake but it is aggrivating! My point being, don't give up, it will all come in due time. Besides we would'nt have any thing to obsess about otherwise!!!
Re: How can we post CHOD results?? Ib I do not have a clue!!!!! I have disputed it so we will see. My dh's credit is a neverending battle as well, it seems like for every item removed, 1 is added!!!!
Re: How can we post CHOD results?? mine all still show in dispute and tomm is 30 days i guess thursday after my exam i will have some calls to make
Re: How can we post CHOD results?? That is good though allen. Once Exp recieves results they immediately post them. If tomorrow is day 30 and some are still blue, that means that they probably have not recieved a respnse, so DELETION CITY!!!!
Re: How can we post CHOD results?? do i ask or demand when i call? hehe whats funny is that if they verify my last late pay, i am looking at a letter from fleet showing i was NEVER LATE
Re: How can we post CHOD results?? WOW!!! Good Chodding at EXP Update-final results of Chod disputes at EXP 2 more judgments deleted no more PR's more deletions DISCOVER!! charge off 2 mortgage resellers US dept of housing US treasury Dept ARROW!!!-GONE! (I had sent validation letter) Open installment loan now Zero Bal 3 inquiries-gone Open mortgage updated to never late(was4x30) One small open balance updated (2 year old last bal) Remains: CAP1 c off(of course) Sams Providian Citifinancial-now showing paid c/off(don't know why) Fako went up from 572 to 626 54 points ~ Thanks to all you guys here at Creditnet!! I hope TU(not in yet) and EQ also respond kindly.
