techgoddess Posted June 2, 2003 Report Share Posted June 2, 2003 Well I finally got up the courage to dispute my defaulted $22000 student loan and my EX score went up 28 points (all the way up to 565!) It would be so cool if that got deleted. I think I might actually have a good chance because the CA that's listing it on my CR is not the CA that's currently collecting on it. Link to comment Share on other sites More sharing options...
paw67 Posted June 2, 2003 Report Share Posted June 2, 2003 Good luck with that one techgoddess...I'm keeping my fingers crossed for you on it.paw67 Link to comment Share on other sites More sharing options...
ADSOFT Posted June 2, 2003 Report Share Posted June 2, 2003 <blockquote>Originally posted by techgoddessWell I finally got up the courage to dispute my defaulted $22000 student loan and my EX score went up 28 points (all the way up to 565!) It would be so cool if that got deleted. I think I might actually have a good chance because the CA that's listing it on my CR is not the CA that's currently collecting on it.</blockquote>It went up just by disputing it, you didn't have to change anything?????I disputed something to EQUIFAX, and my score went down: WUWT Link to comment Share on other sites More sharing options...
techgoddess Posted June 2, 2003 Author Report Share Posted June 2, 2003 I think I read somewhere that when you dispute something on your credit report, your score is calculated as if that TL didn't exist. Link to comment Share on other sites More sharing options...
ADSOFT Posted June 2, 2003 Report Share Posted June 2, 2003 <blockquote>Originally posted by techgoddessI think I read somewhere that when you dispute something on your credit report, your score is calculated as if that TL didn't exist.</blockquote>That's what I thought too, but I think my TL that I disputed brought the average years of my overall TL'S down???Anyhow, that's great news, I would really concentrate on get that TL off.Whatever you do, ah I'm sure you know, but for the record, don't contact them on this line otherwise they will have an extra 15 days, giving them a total of 45 days to verify. Link to comment Share on other sites More sharing options...
techgoddess Posted June 2, 2003 Author Report Share Posted June 2, 2003 I'm not breathing a word about this TL until they're done! I want this one to go away BAD! Link to comment Share on other sites More sharing options...
sisflomi Posted June 2, 2003 Report Share Posted June 2, 2003 I read earlier on a post that only EQU goes up with disputes. That TU and EXP don't go up at all during disputes. Link to comment Share on other sites More sharing options...
Waxworks Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by sisflomiI read earlier on a post that only EQU goes up with disputes. That TU and EXP don't go up at all during disputes.</blockquote>You are correct..TU freezes your score till all invs are complete, but EQ, strange things happen. Link to comment Share on other sites More sharing options...
Swede Posted June 3, 2003 Report Share Posted June 3, 2003 <blockquote>Originally posted by ADSOFTThat's what I thought too, but I think my TL that I disputed brought the average years of my overall TL'S down???</blockquote>Yep, that's probably exactly what happened. But remember, don't focus too much on the score, you need to clean up the data on your files. Not all lenders use the same scoring method however they do all look at what's on your report. Link to comment Share on other sites More sharing options...
fixmycredit Posted June 3, 2003 Report Share Posted June 3, 2003 I just got a $2700 student loan deleted from Ex last week. Man they suck. I didnt even take a creditrepair course. :upsidown: Link to comment Share on other sites More sharing options...
lisak72 Posted June 3, 2003 Report Share Posted June 3, 2003 So fixmycredit...rub some of you EX luck this way! Can't stand dealing with them! love the fact that it's all online, but geez! It's like pulling teeth! Well...maybe I'll like them all a lot better when this mess is cleaned up! Link to comment Share on other sites More sharing options...
fixmycredit Posted June 3, 2003 Report Share Posted June 3, 2003 I dont use the online with Ex . I do most of it by faxing and calling direct lines. It takes persistance butif you catch someone in the right mood the problem willgo away. Link to comment Share on other sites More sharing options...
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