CRIBO Posted August 12, 2005 Report Share Posted August 12, 2005 Hip, Hip Hooray !!!!!!!!I am one month into this PROCESS and Equifax deleted 3 collections, 2 inquiries and 1 collection updated to paid in full. I am ok with Paid In Full!!!I am on my way. Transunion did not do anything. Everything came back as VERIFIED!!! and I am patiently waiting on Experian.Now I do have to confess I did not sent out my letters Certified. I thought I would try my LUCK and see if I can cut corners. So, I did not pay anything out of pocket. But I would not recommend this. It is a big risk and locating to Chicago from Vegas I took the risk. Vegas must have rubbed off on me!! Link to comment Share on other sites More sharing options...
DocDon Posted August 12, 2005 Report Share Posted August 12, 2005 Nice! Link to comment Share on other sites More sharing options...
ggluvbug Posted August 13, 2005 Report Share Posted August 13, 2005 cool!i just got 4 collections off my husbands reports....all three cra's deleted them. it feels good....just remember to get those green cards next time! Link to comment Share on other sites More sharing options...
CRIBO Posted August 13, 2005 Author Report Share Posted August 13, 2005 Yes, I agree! I will get the green cards. Link to comment Share on other sites More sharing options...
ggluvbug Posted August 13, 2005 Report Share Posted August 13, 2005 we are kindred spirits! teacher here too. nice to know another teacher who has "issues"...i always feel like i am the only one! Link to comment Share on other sites More sharing options...
CRIBO Posted August 13, 2005 Author Report Share Posted August 13, 2005 size=18]Yes, good to also hear that I am not alone. I am on my way to Good Credit. When I was in College I had every card. I had a job and did really well paying my bills ontime. But I moved back home and could not find a job. I ended subbing for a year off and on until I got a Teaching position. But in the mean time and in between times all my cards went South. Now I am paying for it. I had three cars since then and 2 were stolen and 1 totaled. The bad part is the insurance company only paid blue book value so it left me with a HUGE debt for all three. So, now I am on my way to getting things in line so I can obtain the American Dream. Owning a Home! Thanks for repyling to my message! [ Link to comment Share on other sites More sharing options...
ggluvbug Posted August 13, 2005 Report Share Posted August 13, 2005 we got married young...wanted to live the same lifestyle we had at home with parents and had every card...on a mcdonald's salary. didn't work too well. now we are doing the same thing....getting things in line for the big deal...our our own home. Link to comment Share on other sites More sharing options...
lisa1 Posted August 13, 2005 Report Share Posted August 13, 2005 Great job... I must admit I've never sent any disputes CMRR. I feel this is unnecessary to send to cra's. But I feel if you're DV "ca" send CMRR...this is your proof to be used later. Keep copies of everything.I've went from mail disputes to online disputes. The one's that seem to stick - I'm using mail only. This way I can send the documentation with them.My reports are almost clean...few more to go and clean at last. Starting the rebuilding phase now. Link to comment Share on other sites More sharing options...
CRIBO Posted August 13, 2005 Author Report Share Posted August 13, 2005 Good to know that I was not the only one who did not CMRR the CRA. I do my disputes online as well. It is working! Yes! :BigDance: Link to comment Share on other sites More sharing options...
Overwhelmed Posted August 15, 2005 Report Share Posted August 15, 2005 I have had the best luck with TU. I have called them--and they have deleted 5 negatives from my account. They have verified like 3. I haven't had much luck with EX--they have only deleted 2, and verified probably 8 or 10. I haven't done anything at all to EQ yet. My fico seems to keep climbing for some reason there. I started out in the low 500's and am currently at 565. Everything on my CR is paid except 2- and that is my problem. I paid everything off on my CR back in Feb before I found this site and now the stubborn things just will not come off! I haven't done any DV'ing simply because I thought I would dispute first, since they don't have to DV anyway. I guess that is next on my list:) Link to comment Share on other sites More sharing options...
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