kevmic Posted April 14, 2005 Report Share Posted April 14, 2005 I have pulled two of the 3 credit reports. I used the Experian online dispute to dispute about 10 of the 14 negatives I have. I do have 3 accounts in good standing. One of the negatives is for a car loan that was paid off 2 years ago but is a negative report because of a mistake by Ford Credit by missapplying a payment, so it is showing one late payment. I have diputed on the basis that the payment was not late. I only have 1 positive account on my Trans Union CR. TR has combined two accounts that are positive into one account from my credit union on two different vehicles, and has also shown an old paid off CC as late several times even though it was never late and shows in good standing on the Ex CR. TR shows me as having 10 negative and 1 positive acount. Tr's website must be down because it will not let me dispute online so I will mail them my dispute letters for the errors. Do I need to send each disute separately to them or can I combine them all in one envelope?My biggest debtr is from an old apartment 5 years ago. I inherited a house after my mother died and had to take over payments. I only had a month left on my lease with the apartment, but they refused to work with me. They sent me to collections for over 2300 dollars for just a months rent that was only about 800 dollars. What would be my best option for disputing this one? It is on both of my CR's so its probably on all three.I have been reading everything I can on this site for about a week now. Link to comment Share on other sites More sharing options...
miracle Posted April 14, 2005 Report Share Posted April 14, 2005 I have pulled two of the 3 credit reports. I used the Experian online dispute to dispute about 10 of the 14 negatives I have. I do have 3 accounts in good standing. One of the negatives is for a car loan that was paid off 2 years ago but is a negative report because of a mistake by Ford Credit by missapplying a payment, so it is showing one late payment. I have diputed on the basis that the payment was not late. You may also try a goodwill letter to Ford. If you dispute it to the CRA, you may risk losing the entire TL.I only have 1 positive account on my Trans Union CR. TR has combined two accounts that are positive into one account from my credit union on two different vehicles, and has also shown an old paid off CC as late several times even though it was never late and shows in good standing on the Ex CR. You may also want to try a GW letter on this.TR shows me as having 10 negative and 1 positive acount. Tr's website must be down because it will not let me dispute online so I will mail them my dispute letters for the errors. Do I need to send each disute separately to them or can I combine them all in one envelope? Do not send them in seperate enevlopes. It will only give you headaces. Make a list of the things you would like to dispute. Dispute half now in one letter. Dispute the other half when the first investigation is over. They will probably not all be deleted at once.. it takes persistance My biggest debtr is from an old apartment 5 years ago. I inherited a house after my mother died and had to take over payments. I only had a month left on my lease with the apartment, but they refused to work with me. They sent me to collections for over 2300 dollars for just a months rent that was only about 800 dollars. What would be my best option for disputing this one? It is on both of my CR's so its probably on all three.I have been reading everything I can on this site for about a week now.Has this gone into collections? What exactly is the status of this account?Welcome! YOu will do just fine. Keep reading and asking question. Good Luck! -Jenn Link to comment Share on other sites More sharing options...
kevmic Posted April 14, 2005 Author Report Share Posted April 14, 2005 The apartment is in collections has been for several years but I have never received anything from an agency about it. Link to comment Share on other sites More sharing options...
kevmic Posted April 17, 2005 Author Report Share Posted April 17, 2005 I finally figured out that my popup blocker was keeping me from doing anything online with Trans Union. I disputed about half of the negative things on my CR. 35 days to go and we will see if it works.Its amazing how if I didnt find this web forum, how I would be going about this all wrong. Link to comment Share on other sites More sharing options...
Valkyrine Posted April 17, 2005 Report Share Posted April 17, 2005 Welcome Kev and good luck!! You are in the right place. Link to comment Share on other sites More sharing options...
kevmic Posted May 5, 2005 Author Report Share Posted May 5, 2005 Well just an update.I check my report for Experian today and one negative report gone totally, and and Ford Credit Auto loan now is a positive account with no lates. Thats 2 out of 4 that I disputed, taken care of so far. old.... 14 negative 3 positves.new... 12 negative 4 positives. Still working on them.They jury is still out on TU. Nothing has changed with them yet.still 10 negatives 1 positive. Link to comment Share on other sites More sharing options...
breathing_easier Posted May 5, 2005 Report Share Posted May 5, 2005 You're making progress, kevmic! Good for you. As Jenn said, credit repair takes persistence and patience so hang in there. Have you signed up with MyCreditKeeper (a 3-in-1 online report) so that you can chart your progress? First month is free then $9.99/mo. thereafter. MCK scores aren't true FICO scores but it's a good way to see how your CRA deletions and updates affect your scores. Link to comment Share on other sites More sharing options...
kevmic Posted May 6, 2005 Author Report Share Posted May 6, 2005 I havent checked into credit keeper yet. I dont have a credit card and havent in years. So its a little difficult to keep tabs on my credit without a credit card to order these things online. Link to comment Share on other sites More sharing options...
miracle Posted May 6, 2005 Report Share Posted May 6, 2005 Invest in Visa Gift Cards They work the same as a CC for those transactions and you just load money that you have onto them Looks like you are making progress. Hang in there! -Jenn Link to comment Share on other sites More sharing options...
kevmic Posted May 11, 2005 Author Report Share Posted May 11, 2005 ok experian just emailed me I now have 4 positive and 10 negative. I stated the next round of dispute another 30 days to wait but getting there. Still waiting on trans to come back, so far no change with them. I still have a ways to go but I am getting there. I am hoping to be able to finance a house in 6 months. Link to comment Share on other sites More sharing options...
kevmic Posted May 16, 2005 Author Report Share Posted May 16, 2005 bump Link to comment Share on other sites More sharing options...
kevmic Posted May 19, 2005 Author Report Share Posted May 19, 2005 First round of disputes is over with TU. 10 baddies. 5 disputed. 2 verified. 2 Deleted and one update to show no lates on a paid off car loan. Now 7 negative and 2 positives. Still waiting to hear back from EQ. I am hoping the Tl's that the y put into my split file will be gone soon. One is for an apartment that I got screwed over with back in 99. TU Verified it. they have this great little statement that they put in there paperwork."If interested you may also request a description of how the investigation was conducted along with the name, address and telephone number of anyone we contacted for information. MOV here I come. I would like to know how they verified a tl that has changed hands at least a 10 times since 99.Unfortunately they didnt give me my credit score, because I didnt purchase one. So I am still clueless about my score. I will be getting a visa gift card this week and be able to start using MKC to keep track of things. Link to comment Share on other sites More sharing options...
kevmic Posted May 21, 2005 Author Report Share Posted May 21, 2005 ok I got back a notice in the mail today from EQ. They changed my FMC account to no lates and deleted one account. So I now have 12 negatives and 3 positives. I am still waiting on another dispute with them for about 5 other accounts. Link to comment Share on other sites More sharing options...
kevmic Posted May 24, 2005 Author Report Share Posted May 24, 2005 Got a letter in the mail yesterday from Portfolio Recovery Associates LLC.It stated that PRA has concluded its investigavion of my dispute and is purging my account from its files and the three major CRA to delete PRA's TL on my reports.A little more sucess. One step at a time. Link to comment Share on other sites More sharing options...
kevmic Posted May 25, 2005 Author Report Share Posted May 25, 2005 Ok my disputes with EQ are over. 3 out of 7 disputes were deleted. 1 that was 6 years old was verified, for an old apartment. 1 account was verified and I have no idea what it is, Sherman holds this one. Question how can an electric company verify that an account is mine and open when I havent had that account in over 2 years. Link to comment Share on other sites More sharing options...
kevmic Posted June 3, 2005 Author Report Share Posted June 3, 2005 ok signed up for mkc today and saw my scores. I am not too thrilled with them. I was told my EQ score was 513 about 2 weeks ago. My scores on MKC were:EQ 437EX 549TU 524.Do these score run lower or higher than actual Fico scores? Link to comment Share on other sites More sharing options...
bigboyinc Posted June 3, 2005 Report Share Posted June 3, 2005 I have been getting a lot of information from these forums and the website. I am preparing to send out my first disputes today. Thanks for the information about mkc, I will look to join them after i finish typing this. I look forward to all the information anyone can provide to me. Link to comment Share on other sites More sharing options...
kevmic Posted June 9, 2005 Author Report Share Posted June 9, 2005 Well I got my latest round of siputes back from Experian yesterday. 5 out of 5 disputes verified. I am going to fire off an MOV letter tonight and see where that leads me. Link to comment Share on other sites More sharing options...
kevmic Posted June 10, 2005 Author Report Share Posted June 10, 2005 Well got the results of my next round from TU. 2 Deleted 1 verified. And get this I havea new Negative TL from Gulf State Credit listed with the same exact file number as the one that just got deleted. Next round of disputed fired off tonight.Tu 7 negative 2 positive. Link to comment Share on other sites More sharing options...
kevmic Posted July 3, 2005 Author Report Share Posted July 3, 2005 well latest round back from EQ. The apartment I have been fighting for years came off my report today. But I have a TL listing for LVN Funding. As of last month it was Sherman. I disputed it but Sherman verified it. Also had another TL deleted and one listed as paid.8 negatives and 4 positives Link to comment Share on other sites More sharing options...
breathing_easier Posted July 3, 2005 Report Share Posted July 3, 2005 Great, kevmic! You're making progress! Link to comment Share on other sites More sharing options...
breathing_easier Posted July 3, 2005 Report Share Posted July 3, 2005 Have you signed up with MyCreditKeeper (a 3-in-1 online report) so that you can chart your progress? First month is free then $9.99/mo. thereafter. MCK scores aren't true FICO scores but it's a good way to see how your CRA deletions and updates affect your scores.MCK now only updates monthly, as does PG. However, PrivacySource, owned and operated by the same outfit that operates MCK and PG, still updates daily:http://www.bankofamericaprivacysource.com/ref=pgDEFAULTbofa02(But please, anyone signing up for PS, please, please only take advantage of the first month's free service. I agree with Xan that this is a service...and a great one for all of us who are repairing credit...and PS expects to get paid, even see a profit for that service. By trying to beat the system by cancelling at the end of the first month and signing up with a different e-mail and credit card...well, that just puts the screws to us all.) Link to comment Share on other sites More sharing options...
kevmic Posted July 5, 2005 Author Report Share Posted July 5, 2005 scores today on BOA.fako'sEQ 442Ex 560TU 537My Question???Do these scores run lower than the real fico scores or are they pretty close to right? Say for a new house mortgage. Link to comment Share on other sites More sharing options...
breathing_easier Posted July 6, 2005 Report Share Posted July 6, 2005 BofA's PrivacySource FAKO scores are only for generally tracking your credit repair progress. FAKO scores can vary greatly from your true FICO score. If you're serious about getting a mortgage right now you need to pay for your scores from each of the three CRAs. You should also buy your score from myfico.com. Link to comment Share on other sites More sharing options...
kevmic Posted July 6, 2005 Author Report Share Posted July 6, 2005 Yeah I need to do that. I am looking for a mortgage in the next 6 months or so. Just curious now. Link to comment Share on other sites More sharing options...
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