Anonymous Posted November 4, 2002 Report Share Posted November 4, 2002 I'll have to check the full record, but I got a response back yesterday from TU....five items updated; three of them deletions. Thanks for the advice in here, guys! I'm glad to know there can be positive outcomes! Now if I could just get EQ and EXP off their fat a$$es and follow suit. BTW...it's over 30 days and I've had no response from EXP....wonder what they're doing? I guess it's about time to go after those guys for awhile....teeheee!! Link to comment Share on other sites More sharing options...
kimber6337 Posted November 4, 2002 Report Share Posted November 4, 2002 GREAT Results!~! Link to comment Share on other sites More sharing options...
vonniegirl Posted November 4, 2002 Report Share Posted November 4, 2002 Hi Sakara,Congrats on the removals . Regarding the over 30-days, there is a follow-up letter advising of 15-days to remove are pay for each violation up to $1000.00 . This letter should have been sent after you received the green card back from the CA.Do not sit on this!Hey Kim, long time no hear from Link to comment Share on other sites More sharing options...
kimber6337 Posted November 5, 2002 Report Share Posted November 5, 2002 I'm here Drop me your aim/yahoo ID when you get time. Link to comment Share on other sites More sharing options...
Anonymous Posted November 5, 2002 Author Report Share Posted November 5, 2002 Vonnie, I did a dumb thing with Experian....didn't send it certified. I know, I can't prove they received it....then again, they can't prove they didn't receive it, either. I'm going to get cracking on a response and remind them they are in violation of the FCRA rule. Somehow...I don't think they really care. <sniffle...> Link to comment Share on other sites More sharing options...
vonniegirl Posted November 5, 2002 Report Share Posted November 5, 2002 Sakara,Nothing done here is dumb, we are all learning and growing You think you can send the original later with the original date CMRR? At least you would have the letter with the date on it . It couldn't hurt to try huh?Good luck. [Edit by vonniegirl on Tuesday, 5, 2002 @ 07:20 AM] Link to comment Share on other sites More sharing options...
Jackal Posted December 7, 2002 Report Share Posted December 7, 2002 I have never sent anything Certified return receipt, and I always get something back form them, thats my proof that they receivede it, why pay the extra money. Well except for Experian, guesss I will have to send it certified next time. Link to comment Share on other sites More sharing options...
Anonymous Posted December 7, 2002 Author Report Share Posted December 7, 2002 I have to share my good news with you all also, with Transunion. 7 negatives accounts deleted! My Score went from 426 to 552 within 30days and no kidding! I can't believe it myself. I only have 2 negatives remain, but I am going to dispute last activity and with the other balance. I wish I was this lucky with eq and ex! I am so happy,because this is my 1st time ever disputing with Transunion. [Edit by jennyjen on Saturday, December 7, 2002 @ 08:32 AM] [Edit by jennyjen on Saturday, December 7, 2002 @ 08:34 AM] Link to comment Share on other sites More sharing options...
k12503 Posted December 7, 2002 Report Share Posted December 7, 2002 good going jennyjen!!Keep up the good work! Link to comment Share on other sites More sharing options...
creditfix Posted December 7, 2002 Report Share Posted December 7, 2002 Congrats, jennyjen! Trans Union has been terrible to me...they have even deleted GOOD entries that I did not dispute and then they VERIFY the bad ones! :notsure: Link to comment Share on other sites More sharing options...
vonniegirl Posted December 7, 2002 Report Share Posted December 7, 2002 That's the way it's done Jen Congrats :upsidown: , and continued success Link to comment Share on other sites More sharing options...
kimber6337 Posted December 9, 2002 Report Share Posted December 9, 2002 Great Jen!! We like hearing sucess :upsidown: Link to comment Share on other sites More sharing options...
Niner849 Posted December 10, 2002 Report Share Posted December 10, 2002 <blockquote>Originally posted by jennyjenI have to share my good news with you all also, with Transunion. 7 negatives accounts deleted! My Score went from 426 to 552 within 30days and no kidding! I can't believe it myself. I only have 2 negatives remain, but I am going to dispute last activity and with the other balance. I wish I was this lucky with eq and ex! I am so happy,because this is my 1st time ever disputing with Transunion. I too have had much success with TU. For me, they seem the easiest by far, they also have deleted alot of things from my CR that the other 2 haven't even bothered with. Hoping for some good things from them after ChOD is done. If not, will be firing off tons of validation letters.Andi [Edit by jennyjen on Saturday, December 7, 2002 @ 08:32 AM] [Edit by jennyjen on Saturday, December 7, 2002 @ 08:34 AM]</blockquote> :bun: :bun: :bun: Link to comment Share on other sites More sharing options...
Jackal Posted December 10, 2002 Report Share Posted December 10, 2002 thats cool, I got 14 deleted from TU on my first go round, and it wasnt even CHOD. Wasnt so lucky with EXP or EQUI, wonder why Link to comment Share on other sites More sharing options...
vonniegirl Posted December 10, 2002 Report Share Posted December 10, 2002 Way to go Niner We love hearing success stories . Keep it up Link to comment Share on other sites More sharing options...
Niner849 Posted December 10, 2002 Report Share Posted December 10, 2002 <blockquote>Originally posted by vonniegirlWay to go Niner We love hearing success stories . Keep it up </blockquote>Thank You, Thank You....LOL. I only wish EXP and EQ could be as easy as TU. Hopefully I will have all of my disputes deleted with TU. Good thing is, they by far are the worst of the three, so I guess it's a good thing that I'm getting all of these deletions. Will be starting a couple of validation letters off this weekend.Andi (Email Is On)Yahoo ID: Niner849 Link to comment Share on other sites More sharing options...
vonniegirl Posted December 10, 2002 Report Share Posted December 10, 2002 I have not had good luck with Trans Union or Equifax However, Experian does a lot on the phone Just today I received a response from my lone reporting CA (AFNI)...I sent a DV letter and they could not validate You know what happened.... "This letter is to verify that we have filed a request with the credit bureaus to delete the account listed above from your credit report" Woohoo!!Thanks admin... and fellow members of the board...I could not have done this without you :blush: :soppy: [Edit by vonniegirl on Monday, December 9, 2002 @ 07:11 PM] Link to comment Share on other sites More sharing options...
Jackal Posted December 10, 2002 Report Share Posted December 10, 2002 thats weird, AFNI is on my report but niot under collection accounbt. its just there.. Link to comment Share on other sites More sharing options...
vonniegirl Posted December 10, 2002 Report Share Posted December 10, 2002 What do you mean not under collections just there . On Experian, TU and EQ, AFNI was located on the first page and described as something that could negatively affect your credit...That's why I wanted them Off! Thank goodness for the FCRA and this board [Edit by vonniegirl on Monday, December 9, 2002 @ 07:36 PM] Link to comment Share on other sites More sharing options...
Jackal Posted December 10, 2002 Report Share Posted December 10, 2002 Well, it is just under credit information, doesnt say collection account, its jsut there, saying I owe 512 to GTE missouri. I have never lived in Missouri Link to comment Share on other sites More sharing options...
vonniegirl Posted December 10, 2002 Report Share Posted December 10, 2002 <blockquote>Originally posted by JackalWell, it is just under credit information, doesnt say collection account, its jsut there, saying I owe 512 to GTE missouri. I have never lived in Missouri</blockquote>Jack, I think you need to call them and correct this info. Follow-up with a letter and ask if you can fax it to them becuase it is creating a problem with you being approved for credit Correcting the personal information is sometimes as important as the credit history. You should also receive an updated credit report Link to comment Share on other sites More sharing options...
Jackal Posted December 10, 2002 Report Share Posted December 10, 2002 and it is on there twice. I have disputed it just havent got word back yet. Link to comment Share on other sites More sharing options...
vonniegirl Posted December 11, 2002 Report Share Posted December 11, 2002 When are your 30-days up? They must delete it if they can't verify it Is it on all three CRA's or just one :notsure: ? Link to comment Share on other sites More sharing options...
Jackal Posted December 11, 2002 Report Share Posted December 11, 2002 No, its only on one of them. On the other two it is listed as Anderson Financial Network. But as a collection account. Actually, it was deletd from Experian. Link to comment Share on other sites More sharing options...
vonniegirl Posted December 12, 2002 Report Share Posted December 12, 2002 AFNI folded like a weak deck of cards. Go after them!Good Luck Link to comment Share on other sites More sharing options...
Recommended Posts