DH's score went from 577 then to 571 and overnight it went to 591. His rating is no longer poor it is fair. I know that this isn't the true Fico, but it feels good to see a rise and it makes me feel I am accomplishing something. It's only been two rounds of disputing since BK7. Just wanted to share!! ) Missi
miss, i just pulled my tu and was rather disappointed in what i saw. do you have accounts that were included in the bk marked as derog. or otherwise in coll. charge off or whatever? seems to me the bk should wipe those out. is that what you are disputing? my score is a 634. tu is also reporting 2 open accounts that were paid off and closed per our request, one from '99 and speigel from last year. i need to get those accts. changed.
I only have two accounts that were showing Included in Bk, all the others still show a balance due/derog whatever. The way I am disputing those is stating that I do not have an account with xyz company with a $$$ balance. This is whole heartedly true because the balances should be zero! From what I have learned they have to manually verify this information rather than an auto verify - which just verifies name, ssn & maybe an address as well. Having to verify manually takes more work on their part. Missi
I should have made it a little more clear, I ddin't hear from the CRA's that they have to manually verify this information, I read it either on this board or the other credit help board. I will try and do a search tomorrow to see who originally said that, so I just took their word for it. Sorry that didn't answer your question. Missi
