jjclark

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About jjclark

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  1. My emails were like a goodwill letter. I stated that they were preventing me from getting financing on a home and would appreciate a one time courtesy...remove the negative information/lates. I emailed the same people over and over again until I got a response. I received a call from a woman in the Exec offices as well and she said she would call me back. I asked her when I should hear from her and she said within a couple of days. When I didn't hear from her, I called her and asked how her progress was going. Of course, she acted like she just got an answer as to what she should do and s
  2. I have been trying to clean up my credit since September 12th, 2005. I had about 9 or 10 baddies on all three reports. Since September I have been reading up on every credit forum I could find, creditboards.com being the last find. I began my disputes with EX first and managed to have 4 baddies removed with the first round of disputing with them. 4 others were removed by emailing the CA's and getting written statements from them that they were removing the lates (usually referred to as goodwill letters). I faxed those letters in to TU and EQ since they are so slow. EX gets notification fr
  3. I recently sent a letter to Wells Fargo, who did three inquires on my credit report, saying prove or remove and pay. They sent me a letter saying they needed my Fargo loan number or my SS#. I replied saying, that I did not have a loan number (duh!) and I do not feel comfortable handing out my SS#. Once again, they sent a letter saying they needed my SS# or a copy of my credit reports. Any suggestions on what I should do? Should I send the portion of my reports that have them listed as inquirers and black out my SS#? I refuse to give them my SS#. B.T.W......One of the inquiries are valid
  4. Just a little FYI for everyone. You can get a real FICO score from Transunion. www.transunioncs.com. It will say FICO on your results. I just checked and my score was higer than what the TU FAKO is at www.transunion.com. TU FICO 765 TU FAKO 718 YIPEEEEEEEEEEEEE New and improved results for FICO scores: EQ 729 (will be higher after removal of one and only 90-day late neg, workng on it) TU 765 (0 negs) EX ??? (waiting on 2 disputes to finish before pulling score, these are the last negs on the report)
  5. Just a little FYI for everyone. You can get a real FICO score from Transunion. www.transunioncs.com. It will say FICO on your results. I just checked and my score was higer than what the TU FAKO is at www.transunion.com. TU FICO 765 TU FAKO 718 YIPEEEEEEEEEEEEE New and improved results for FICO scores 11/20/05: EQ 729 (will be higher after removal of one and only 90-day late neg, workng on it) TU 765 (0 negs) EX ??? (waiting on 2 disputes to finish before pulling score, these are the last negs on the report)
  6. I'm pretty sure it will be a hard pull. Everytime I have had a mortgage company or bank pull my credit to be pre-approved or to "determine" a rate it was a hard pull.
  7. I recently was referred to INB Bank who offer $5000 grant money and under $1k closing costs. They have a few programs for 1st time home buyers and that is more than what I've heard of for any bank. The woman I spoke with, of course, stated that my husband and I need to apply (which is free) for them to determine which program we are eligible for. I am a little nervous about that because I have worked hard at getting our credit scores up and don't want to have any problems come January when we purchase the house if this doesn't work out with them. Am I worrying for nothing? Should we go ahead
  8. I just think its weird that TU would even use TC if they have different scales. I'll just wait until my disputes are settled with Experian and then use myfico.com and see what it says. What is the score range at myfico.com?
  9. I went to purchase my credit report from Transunion and noticed that it didn't redirect me to truecredit like it did last time. My score came up 713. Which I was quite happy with, but then in the notes it stated that my credit was fair, not good, and that lenders would probably not give me the best rates with this score. I thought that was weird. I logged on to my truecredit reports and my score was 693 at that is listed between fair and good and that I could get good rates with this score. I also noticed that even though Truecredit is through TU they use different score ranges. TU's range
  10. I went to purchase my credit report from Transunion and noticed that it didn't redirect me to truecredit like it did last time. My score came up 713. Which I was quite happy with, but then in the notes it stated that my credit was fair, not good, and that lenders would probably not give me the best rates with this score. I thought that was weird. I logged on to my truecredit reports and my score was 693 at that is listed between fair and good and that I could get good rates with this score. I also noticed that even though Truecredit is through TU they use different score ranges. TU's range
  11. A couple of weeks ago I notified the Exec offices of Victoria Secret via email about removing a 90 day neg from my credit reports. They forwarded my email to a Relations Rep who quickly stated that he would notify all of the agencies and have the 90 day late removed. He faxed me a letter of confirmation last week. Now, get this! Today I check my mail from yesterday and low and behold there is an envelope from VS. I thought to myself..."oh no, here we go". I open it and there is an apology letter from the Exec office along with a $25 gift certificate. What you think of that????
  12. It is true. Your score will go up during dispute and drop if the TL's aren't updated to positive status. I checked my score with EQ and it was at 758 during dispute and then after dispute it went down to 699. I was a little disappointed it went down. I like the look of 758.
  13. The account was paid in full and closed in 2003. I just bugged and bugged them with emails until they called. The first time they called, their rep said that because it was not due to bank error they could not help......But I just kept on emailing the execs. From my read receipt, I noticed that they had to been having meetings about my emails because the emails were opened and forwarded two dozen times between them. Three days later, the same rep calls and says she's calling in behalf of the execs and that they are being quite gracious and changing my 90 days late to 30 and they could not
  14. Just wanted to let you guys know that I have managed to have all of my negs removed from my CR's, but one............and you know who it is.....CRAP1. My efforts in contacting the Execs at the the CA's has paid off, believe it or not. Each CA has agreed to and has removed the negs, (that I could not remove through disputes with the CRA's) but CRAP1 only agreed to take my 90 days late to 30. They refused to remove all of the negative information. I guess that is some progress, for them. I have gone from 9 negs to 1 in just two months. I'm quite proud of myself. If anyone has any suggesti
  15. Is there anyone who has had success with removing negs with Capital One?