Hi All, I pulled a TU report this morning and items were deleted. 3 student loans collections 1paid repo 1 NCO [MCI Bill} Only thing though is that my score only went up 12 points I am still not at 600 all inclusive club yet! Equifax 581 Transunion 593 Experian 601-Last time I checked E-Loan 619 Privista 582
Congrats... As a newbie I am curious to know what steps you took to get these items deleted.. also... what is Eloan and Privista? who uses them as a basis for giving credit? thanks..
Well, eloan.com and privista.com are websites were you can get credit scores free. Eloan pulls TU and privista is based off equifax. The privista has a 30 trial period and Eloan is anytime without a commitment. I disputed all mine via online thru TU as not mine and they were not verified so they were deleted. I like online because it gets in the CRA's system right away versus waiting on mail. Between all 3 agencies , I have had 16 tradlines deleted since April '02. I am working hard to make it happen. If I can figure out a way to get this judgment off Experian because they do not want to re-investigate, I will be even better. I also use faxes alot as well versus snail mail. I hope this helps.. Thickman66
interesting. I went to eloan to be able to pull regular TUs. Unfortunately, before finishing the information, I noticed that the website that actually pulls the report is qspace. I already have qspace and they pull EX.
How come TU never includes the FICO score on the reports they send to you in the mail. I can only get the FICO score when I by the report online. Has anyone had any success getting the score without paying for a new report online?
TU will mail u your score if u call and order report. u have to request a score with your report or u just get report. Thats how I got my last 2. your score wont move until u start hitting some of those newer tradelines. Just getting rid of bad credit wont help alot. u need new credit too. preferablly over 2 years old. the other factor is alot of balance left on your cards
