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results after 1 month of repair please critique and advise


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here is what has happend after one month of credit repair

TRANSUNION

collection accounts

cbcs --electric bill--$200 paid collection account--disputed as paid before collections--deleted

cbcs --electric bill--$219--disputed as not mine--deleted

ic systems--med bill--$165 paid collection-- disputed as paid before collection-- deleted

the thomas agency--med bill--$639--disputed as not mine--deleted

late pays

cap 1--reported 30 and 60 day late-disputed as never late-verified

public records

sate tax lein--$2665--disputed as not mine--updated to paid tax lien

I 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 664

EQUIFAX

collection acounts

Rskmgtwsrv--verizon--$28-disputed as not mine--deleted

Allied interstate--diredt tv--$266--disputed as not mine--verified

ic systems--med bill--$165 paid collection--disputed as not mine--verified

the thomas agency--med--$639 --diputed as not mine--deleted

late pays

cap 1--30 and 60 day late--disputed as not late--verified

public record

tax lien--$2665--disputed as not mine--updated to paid tax lien

I have 2 collection accounts left, one 30,60 day late, and one paid tax lien

I 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 629

EXPERIAN

Rskmgtwsrv--verizon-$26--disputed as not mine--updated to paid colections

The Thomas agency--med bill--$640-disputed as not mine--verified

ic systems--med bill--$165 paid collection--disputed as paid before collection--verified

allied interstate--diredt tv--$266--disputed as not mine--deleted

cbcs--electric bill--$200--disputed as not mine--deleted

late pays

cap 1-- 30 and 60 day late--disputed as never late--verified

i have 3 collection acounts left, zero tax liens and 1 30,60 day late

I 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

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here is what has happend after one month of credit repair

TRANSUNION

collection accounts

cbcs --electric bill--$200 paid collection account--disputed as paid before collections--deleted

cbcs --electric bill--$219--disputed as not mine--deleted

ic systems--med bill--$165 paid collection-- disputed as paid before collection-- deleted

the thomas agency--med bill--$639--disputed as not mine--deleted

late pays

cap 1--reported 30 and 60 day late-disputed as never late-verified

public records

sate tax lein--$2665--disputed as not mine--updated to paid tax lien

I 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 664

EQUIFAX

collection acounts

Rskmgtwsrv--verizon--$28-disputed as not mine--deleted

Allied interstate--diredt tv--$266--disputed as not mine--verified

ic systems--med bill--$165 paid collection--disputed as not mine--verified

the thomas agency--med--$639 --diputed as not mine--deleted

late pays

cap 1--30 and 60 day late--disputed as not late--verified

public record

tax lien--$2665--disputed as not mine--updated to paid tax lien

I have 2 collection accounts left, one 30,60 day late, and one paid tax lien

I 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 629

EXPERIAN

Rskmgtwsrv--verizon-$26--disputed as not mine--updated to paid colections

The Thomas agency--med bill--$640-disputed as not mine--verified

ic systems--med bill--$165 paid collection--disputed as paid before collection--verified

allied interstate--diredt tv--$266--disputed as not mine--deleted

cbcs--electric bill--$200--disputed as not mine--deleted

late pays

cap 1-- 30 and 60 day late--disputed as never late--verified

i have 3 collection acounts left, zero tax liens and 1 30,60 day late

I 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

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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. :roll:

Give it some time- your score will benefit in the long run!!!

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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. :roll:

Give it some time- your score will benefit in the long run!!!

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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.

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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.

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:banana:

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?

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:banana:

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?

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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 post

http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=26957&highlight=

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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 post

http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=26957&highlight=

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