dgbbld Posted March 13, 2005 Report Share Posted March 13, 2005 here is what has happend after one month of credit repairTRANSUNIONcollection accountscbcs --electric bill--$200 paid collection account--disputed as paid before collections--deletedcbcs --electric bill--$219--disputed as not mine--deletedic systems--med bill--$165 paid collection-- disputed as paid before collection-- deletedthe thomas agency--med bill--$639--disputed as not mine--deletedlate payscap 1--reported 30 and 60 day late-disputed as never late-verifiedpublic recordssate tax lein--$2665--disputed as not mine--updated to paid tax lienI have zero collection accounts left ,one 30,60 day late left, one paid tax lien left. Cap one has agreed to report the 30,60 day late as on time because of a letter i sent via planet feedback, im not sure what to do about the paid tax lien, my fico score went up 9 points to 664EQUIFAXcollection acountsRskmgtwsrv--verizon--$28-disputed as not mine--deletedAllied interstate--diredt tv--$266--disputed as not mine--verifiedic systems--med bill--$165 paid collection--disputed as not mine--verifiedthe thomas agency--med--$639 --diputed as not mine--deletedlate payscap 1--30 and 60 day late--disputed as not late--verifiedpublic recordtax lien--$2665--disputed as not mine--updated to paid tax lienI have 2 collection accounts left, one 30,60 day late, and one paid tax lienI have sent a dv to allied interstate and have not recieved any validatin back after 30 days. also sent a dv to ic systems and have not recieved any validation back after 30 days I have also re-disputed this accont as paid before collections, cap 1 has agreed to report the lates as on time. not sure what to do about the paid tax lien. my fico score droped 1 point to 629EXPERIANRskmgtwsrv--verizon-$26--disputed as not mine--updated to paid colectionsThe Thomas agency--med bill--$640-disputed as not mine--verifiedic systems--med bill--$165 paid collection--disputed as paid before collection--verifiedallied interstate--diredt tv--$266--disputed as not mine--deletedcbcs--electric bill--$200--disputed as not mine--deletedlate payscap 1-- 30 and 60 day late--disputed as never late--verifiedi have 3 collection acounts left, zero tax liens and 1 30,60 day lateI have sent the thomas agency a dv and they verified will we are negotiating a for settle for a delete. I have sent ic systems a dv and have not recieved validation back after 30 days.I have sent a dv to cbcs they sent unacceptable validation back. cap1 has agreed to report the lates as on time. my fico dropped 14 points to 577.I am happy with these results and looking for more. I dont understand why my score droped on 2 cra's with the only changes being deleted collection accounts. but i expect they will start moving up. as you can see. i had differnt results with the same account at differnt cra whats up with this seems o be no rym or reason to verifieing accounts, pleas critique and advise. thank you Link to comment Share on other sites More sharing options...
dgbbld Posted March 13, 2005 Author Report Share Posted March 13, 2005 here is what has happend after one month of credit repairTRANSUNIONcollection accountscbcs --electric bill--$200 paid collection account--disputed as paid before collections--deletedcbcs --electric bill--$219--disputed as not mine--deletedic systems--med bill--$165 paid collection-- disputed as paid before collection-- deletedthe thomas agency--med bill--$639--disputed as not mine--deletedlate payscap 1--reported 30 and 60 day late-disputed as never late-verifiedpublic recordssate tax lein--$2665--disputed as not mine--updated to paid tax lienI have zero collection accounts left ,one 30,60 day late left, one paid tax lien left. Cap one has agreed to report the 30,60 day late as on time because of a letter i sent via planet feedback, im not sure what to do about the paid tax lien, my fico score went up 9 points to 664EQUIFAXcollection acountsRskmgtwsrv--verizon--$28-disputed as not mine--deletedAllied interstate--diredt tv--$266--disputed as not mine--verifiedic systems--med bill--$165 paid collection--disputed as not mine--verifiedthe thomas agency--med--$639 --diputed as not mine--deletedlate payscap 1--30 and 60 day late--disputed as not late--verifiedpublic recordtax lien--$2665--disputed as not mine--updated to paid tax lienI have 2 collection accounts left, one 30,60 day late, and one paid tax lienI have sent a dv to allied interstate and have not recieved any validatin back after 30 days. also sent a dv to ic systems and have not recieved any validation back after 30 days I have also re-disputed this accont as paid before collections, cap 1 has agreed to report the lates as on time. not sure what to do about the paid tax lien. my fico score droped 1 point to 629EXPERIANRskmgtwsrv--verizon-$26--disputed as not mine--updated to paid colectionsThe Thomas agency--med bill--$640-disputed as not mine--verifiedic systems--med bill--$165 paid collection--disputed as paid before collection--verifiedallied interstate--diredt tv--$266--disputed as not mine--deletedcbcs--electric bill--$200--disputed as not mine--deletedlate payscap 1-- 30 and 60 day late--disputed as never late--verifiedi have 3 collection acounts left, zero tax liens and 1 30,60 day lateI have sent the thomas agency a dv and they verified will we are negotiating a for settle for a delete. I have sent ic systems a dv and have not recieved validation back after 30 days.I have sent a dv to cbcs they sent unacceptable validation back. cap1 has agreed to report the lates as on time. my fico dropped 14 points to 577.I am happy with these results and looking for more. I dont understand why my score droped on 2 cra's with the only changes being deleted collection accounts. but i expect they will start moving up. as you can see. i had differnt results with the same account at differnt cra whats up with this seems o be no rym or reason to verifieing accounts, pleas critique and advise. thank you Link to comment Share on other sites More sharing options...
LadyButler Posted March 13, 2005 Report Share Posted March 13, 2005 Congrats on your many deletions!!!You ask why your score would dip when you got collections accounts off... Well... how old were the accounts? For some wacko reason, it seems that even though a collection account is derogatory- you still get docked by Fair Isaac for losing a longstanding account. One of those "you can't live with them / can't live without 'em things. Give it some time- your score will benefit in the long run!!! Link to comment Share on other sites More sharing options...
LadyButler Posted March 13, 2005 Report Share Posted March 13, 2005 Congrats on your many deletions!!!You ask why your score would dip when you got collections accounts off... Well... how old were the accounts? For some wacko reason, it seems that even though a collection account is derogatory- you still get docked by Fair Isaac for losing a longstanding account. One of those "you can't live with them / can't live without 'em things. Give it some time- your score will benefit in the long run!!! Link to comment Share on other sites More sharing options...
Tarheel Jack Posted March 13, 2005 Report Share Posted March 13, 2005 Congrats! That's solid progress for a month's work!LadyButler is right on about the FICO. In time, your scores should rebound and move higher with those negs removed. Link to comment Share on other sites More sharing options...
Tarheel Jack Posted March 13, 2005 Report Share Posted March 13, 2005 Congrats! That's solid progress for a month's work!LadyButler is right on about the FICO. In time, your scores should rebound and move higher with those negs removed. Link to comment Share on other sites More sharing options...
nevermore Posted March 13, 2005 Report Share Posted March 13, 2005 Sounds to me like you've been doing an excellent job and have made alot of progress. Dont stress the score drop it's not unusual. If you dont currently have any open credit accounts you may want to get something to help raise your scores, just be sure to use it wisely (keep util low, pay more then min, and pay on time). Also if you had anything verified and the date reported was changed that makes it look new to Fico and cause your score to tank. Keep up the good work. Link to comment Share on other sites More sharing options...
nevermore Posted March 13, 2005 Report Share Posted March 13, 2005 Sounds to me like you've been doing an excellent job and have made alot of progress. Dont stress the score drop it's not unusual. If you dont currently have any open credit accounts you may want to get something to help raise your scores, just be sure to use it wisely (keep util low, pay more then min, and pay on time). Also if you had anything verified and the date reported was changed that makes it look new to Fico and cause your score to tank. Keep up the good work. Link to comment Share on other sites More sharing options...
score booster Posted March 13, 2005 Report Share Posted March 13, 2005 Congrats; that's great progress for your first round. Couldn't help but notice the wonderful experian verified the ca the other two deleted. Same thing happened with me last year. Kinda makes ya wonder! Anyway, keep up the good work. Link to comment Share on other sites More sharing options...
score booster Posted March 13, 2005 Report Share Posted March 13, 2005 Congrats; that's great progress for your first round. Couldn't help but notice the wonderful experian verified the ca the other two deleted. Same thing happened with me last year. Kinda makes ya wonder! Anyway, keep up the good work. Link to comment Share on other sites More sharing options...
momof5 Posted March 13, 2005 Report Share Posted March 13, 2005 Thanks for this post.... I have a util collection of $113 that CBCS verified. Your post has me curious about paying this and then disputing again to get it deleted! No they did not respond to my DV but I would pay if this was the easiest way to get it off.Anyone else have experience with CBCS on this stuff? Link to comment Share on other sites More sharing options...
momof5 Posted March 13, 2005 Report Share Posted March 13, 2005 Thanks for this post.... I have a util collection of $113 that CBCS verified. Your post has me curious about paying this and then disputing again to get it deleted! No they did not respond to my DV but I would pay if this was the easiest way to get it off.Anyone else have experience with CBCS on this stuff? Link to comment Share on other sites More sharing options...
coed27 Posted March 13, 2005 Report Share Posted March 13, 2005 dgbbld that is QUITE encouraging , I do have a question though:did you dv the ca's at the same time you disputed the cra's? allie 8) Link to comment Share on other sites More sharing options...
coed27 Posted March 13, 2005 Report Share Posted March 13, 2005 dgbbld that is QUITE encouraging , I do have a question though:did you dv the ca's at the same time you disputed the cra's? allie 8) Link to comment Share on other sites More sharing options...
dgbbld Posted March 13, 2005 Author Report Share Posted March 13, 2005 yes I did dv the ca's at the same time as disputing with the cra. it will be one month since I sent out all my dv's on the 13th, also just to reiterate planet feedback was verry helpfull with dealing with cap 1 they responded within a day and were verry appologetic about reporting my lates here is the cap 1 planet feedback posthttp://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=26957&highlight= Link to comment Share on other sites More sharing options...
dgbbld Posted March 13, 2005 Author Report Share Posted March 13, 2005 yes I did dv the ca's at the same time as disputing with the cra. it will be one month since I sent out all my dv's on the 13th, also just to reiterate planet feedback was verry helpfull with dealing with cap 1 they responded within a day and were verry appologetic about reporting my lates here is the cap 1 planet feedback posthttp://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=26957&highlight= Link to comment Share on other sites More sharing options...
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