AVA

Will do - thanks. I just dream of having my Reports clean. One day. Thank you so much. I have sent Dillards a good will letter and hope they feel so sorry for me they remove it those past due for 4 years ago. I'll keep reading these threads - they are so helpful. Thanks everyone.

As a matter of fact I've pulled my TU score directly from them - TrueCredit and myfico.com and have 3 different scores!!!!!!!!!! What gives?! Which one is right? This is getting pretty upsetting.

Why such a big Disparity in Credit Scores? Credit Report only differs by 2 Collections. I've gone in and cleaned up Equifax and attempted to do the same with TransUnion, but for some reason my score has not moved infact it got lower! What gives??!! TransUnion 601 - 1/15/08 596 - 3/27/08 Equifax 596 - 1/15/08 670 - 3/27/08

Are you serious! You must have put a spell on them. I told them the same thing and no luck! What gives!??

What ever happened with this? I was with AmeriCredit - refinanced with someone else because they gave me a 9% lower rate then AmeriCredit. But AmeriCredit keeps reporting that I made 1 late payment and have no idea how to go about fixing that. What happened with yours?

I'll try it. Thanks!

I've disputed with the CRA and no luck still on there. Called them & they told me there was nothing they can do - they don't handle that and gave me an address to mail Credit Disputes to for Dillards. I'm going to try and write the most heartbreaking letter on earth - maybe that will work? Has anyone ever tried this? And actually have it work???

In 04 I was 90 days late with Dillards (Dept Store) after speaking with them I arranged payment and credit was up & running like never before but now in 2008 they keep reporting my lateness and yes I was late and yes it was my fault but what now?? How do I get them to clear that out? I haven't been late since and they have since increased my limit but I still show them as an Adverse Account on Credit Report. Any ideas? Any?? Has anybody cleared up old stuff or had old stuff removed while keeping the good stuff? Very new at this.

Question: In 2004 I was 90 days late with Dillards - after speaking with them I arranged payment and credit was up & running like never before but now in 2008 they keep reporting my lateness and yes I was late and yes it was my fault but what now?? How do I get them to clear that out. I haven't been late since and they have since increased my limit but I still show them as Adverse on Credit Report. Any ideas? Any??

How did you get your credit score to jump so fast? Where do I start reading all the nuggets?? I have just started disputing things in my credit report and researching. Help....