Re: Re: Re: Re: Re: Re: TU score up 150 pts in 30 days!!! Just continuing my fight! I will give you the numbers Monday I left them at work. I have not tried EXP yet but I am going to hit them up first thing monday to get all of these unathorized inquiries off.
Re: Re: Re: Re: Re: Re: TU score up 150 pts in 30 days!!! Exp would not go for it said I had to dispute with the company that made the inquiry. They also said I had a SSN variation. I told them that is the reason for all the disputes and I had like 10 or more addresses!
what about if I have already pretty much admitted they are mine becuase I sent payment? erinp >><- <>- ><- <> ~~~ ><- <>- ><- <> ><- <>- ><- <> ~~~ ><- <>- ><- <> You san still demand validation.
thank you. Now that I know I can still demand validation is that to the original creditors to the credit reporting agnecies, or to the debt collection agency whom I paid the settlement to? erin
sorry to expand on that last post....where do I get addresses? and how do I know the correct department is going to receive these letters?
The addresses are on your credit report. I sent validation letters to the CA's, not the OC's and then to the CRA's. All but one of the CA's were paid...but I wanted them off. I sent to the original creditor in certain circumstances as well as the CRA's. Different letters though. Go to the site I sent you to originally and he sends you to the correct letters. Hope this helps!
not all addresses/phone numbers are accurate. it never hurts to just call and ask for the address to mail credit bureau disputes (never give them your name or account info) FWIW, every person gets different results. i've seen people rapid rescore and jump 200 points in a day. and others take years to clean up errors. be persistant, it will happen!
jenz...ya gotta a thing with lq? Geez, ya always have to question my posts? I was stating what I DID!!!! All the addresses were on my credit report! Get off it!!
Re: Re: TU score up 150 pts in 30 days!!! LQ - lay off the caffiene. you did the same thing to Will. guess what? not every post is about you! can't someone simply post other options - especially if something may not be accurate?
Re: Re: TU score up 150 pts in 30 days!!! hello - looking for someone who has had old adresses deleted lately. I am finding that I can not do it over the phone, I get automated responses everywhere I turn...frustrating, can I fax them and keep the confirmed copies I get back as records? ALso, loan queen, or anyone else. I got my mortgage lenders to report my mortgage payment as they were not reporting it the past two years....IT appeared yesterday on privacy guard, it didn't change my score? Is that expected? thanks in advance erin btw- i have the letters ready to fire from homebuyerscredithelp. just waiting to receive paper credit reports in mail to get adresses, they aren't shown on privacy guard...! thanks for the help loan queen.
Re: Re: Re: TU score up 150 pts in 30 days!!! Hello Erin, You are welcome!! Address change. I mailed my change to the CRA's (CRRR). I tried to call and got no where. I sent it with the first round letters (from what I've read you should do it first). TU took them off and now has put new ones on that I've never heard of (geez). EXP took all of them off first round and EFX still has 3. Addressed that again second round. Addresses to send your dispute letters..you are right they are not on the PG report. They were on my original report I ran and then on the CRA's first round reports. Sorry about that. Mortgage rating...as far as "I" know...it may take a couple of months to hit if it does. I know that I too had some things change on my report and the EXF and EXP stayed the same. However, it also depends if they are "rating" and not just adding it to your report. It has to rate to affect your score. It most likely will lower your score at first (per my experience). Hope that helps. Take care!!!
