Results EFX, EXP & TU (Junum)

Discussion in 'Credit Talk' started by MT, Aug 16, 2001.

  1. MT

    MT Well-Known Member

    Hi all, just thought I'd share an update of the results that I've experienced with Junum as well as disputing on my own.

    Here's what my credit situation looked like 12-2000:

    Equifax
    5 collection accounts
    15 other negative accounts
    21 positive/neutral accounts

    TransUnion
    4 collection accounts
    15 other negative accounts
    16 positive/neutral accounts

    Experian
    7 collection accounts
    20 other negative accounts
    16 positive/neutral accounts

    Fast forward to 7-2001:

    Equifax
    0 collection accounts
    5 other negative accounts
    37 positive/neutral accounts

    TransUnion
    3 collection accounts
    3 other negative accounts
    27 positive/neutral accounts

    Experian
    1 collection account
    6 other negative accounts
    25 positive/neutral account

    From Junum's website -adjusted/removed
    approximately 38 items

    Experian: WFNNB/ABERCROMBIE & FITC
    WFNNB/STRUCTURE
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Student Loan Mkt Assn
    Associates national Bank
    NOVUS/DBA Discover Card Servi
    GE CARD CO

    Equifax: anderson financial
    commerce bank n.a.
    dillards
    texaco usa
    certified collections
    medicredit corp
    compass receivable mgmt co
    DISCOVER FINANACIAL
    WARDS/MWCC

    Trans Union: m ward/mwcc
    discover fin
    COMMBK KASAS
    SLMA/LSC
    SLMA/LSC
    DISCOVER FIN
    berlin-wheel
    JCPâ??-MCCBG
    AFS Assignee of Texaco Oil
    SLMA/LSC
    SLMA/LSC
    SLMA/LSC
    SLMA / LSCK
    WFnnb/Strctr
    WFNNB/ABRCRM
    TEXACO

    Current Scores:
    TransUnion 602
    Experian via CreditExpert 602
    Equifax via ScorePower 588

    Note: report most often pulled for me seems to be TransUnion.
     
  2. MikeG

    MikeG Well-Known Member

    Looks like Junum worked out rather nicely for you. How many rounds did that take. Junum, works well for some and not for others. Worth the initial risk in my opinion. If you dont want to be bothered nor have the time to handle it on your own.

    Mike G.
     
  3. MT

    MT Well-Known Member

    5-6 rounds (I think). It's hard to tell from the website. I should add up how much $$ it has cost me and then report that as well.
     
  4. Nave

    Nave Well-Known Member

    Congratulations MT! Looks like Junum did good a job for you too.

    -Dave
     
  5. chelechele

    chelechele Well-Known Member

    OOOHHHH to have those scores....yes, mine suck...but not for long.........
     
  6. MT

    MT Well-Known Member

    Oh, my scores....not so great -- the one thing I can say, is that they are going up.... :)
     

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