Thanks to ALL for the advice and support that is so generously given on this board. Just pulled my CE and the last two CAs I had have been DELETED! No applause please! Just send money. Oooops, errrr, wrong website. Sorry Karyn. LOL! My EX is now CLEAN with the exception of 5 paid tax liens and they are fully in my sights now. With any luck the two remaining CAs on TU should be gone by month's end. Now, if I could only get some cooperation from EQ! THANKS to one and all. P.S. For some reason experian.com really seems to lag in the info updated/reported. Shouldn't it be the same as CE? Anyone else noticed this phenomenom?
Smogtek, Congrats on your success with EX. I just started this journey in Aug. I have had good success with EQ and TU so far. EX is a bit more difficult. I have 17 bads including a judgement. With too many verified. What have been your keys to success with EX? Thanks for any advice you could share. IB
Thanks. As I recall, I requested my reports on April 1, 2002 and got the first report about 3 weeks later. EX started as a 613 with the following: 5 - paid tax liens. 2 - unpaid tax liens. 11- collection accounts. Disputed names and addresses by phone. Called in some disputes by phone on 1st round. Sent validation letters (averaged 2 per CA, but a couple took a 3rd one and some online complaints to the BBB). Somehow a couple of new ones showed up (sleeping giants and all). Sent EX some semi-threatening letters about FCRA, lawsuits, inaccurate info, etc kicked back and waited. Made some more calls to EX, asked about status, policy, procedures, etc. Decided to chill out and disputed the last 2 about 30 days ago. I wanted to call and check status, but I held back. I kinda have this idea that if you "bug" for results and get the wrong rep, it gets "verified". It was tough to wait it out (you know the feeling), but I did and was rewarded tonight when I pulled CE! Next up are the paid tax liens. I'm gonna give 'em a shot starting Monday, shut my mouth and wait the 30 days. If I don't get lucky, I'll do 'em again during CHOD. I might request a new paper score next week. CE says 631, but I understand the score lags behind the deletions sometimes. Anyway, thanks again to ALL and for all you newbies - STICK WITH IT! IT WORKS!
Disputed as "Not Mine" and got lucky. They were small "boat tax" liens. Nothing big. About $100 each.
Ya got that right Smog. The more of a pain in the butt you are with the CRA's the more they want to "pay you back". Smart move & Congrats.
