at the end of my rope

[burdettefamily4]

I am so tired, I just seem to be stuck I had equifax investigate, they removed a real baddie:D but then they deleted a very good account:evil: and they wont remove a judgement, transunion and experian did:confused: why wont they? i am ready to give in, they win this is so frustrating I have to have my scores at 620 by Aug 2007 to refi right now they are, EQ 659 ,TRANS 585, EXP 575. I need 40 pts I just dont know what else to do!! I have ran out of investagation chips what else is there? is this even possable to raise my score by 40 in 3 months? any help, PLEASE

[andknapp]

why would they delete a good account? i'd see if there was some way you could get that put back on. my question for you is how in the world did you get ex to delete a judgement, they are the ones i can't get to budge.

[burdettefamily4]

i dont know transunion and experian both deleted about 4 months ago but not equifax. i called my court house and the lady said the equifax will send someone inperson to verify? i thought that was odd? but now i m scared that it will never go away. I was lied to by the people who got the judgement and i didnt go to court . so now they have thier judgement. i need to find out how long it will stay on

[chilton1]

It can happen you just have to keep working at it.

For the good account that was deleted, was it an open account? If so, you maybe able to call the creditor and tell them the account is not reporting.

[Kat99]

I dont know what the rest of your CRs look like but I have read and learned by personal experience that a fast way to increase your FICO scores is to get your utilization down. Do you have any positive TLs that are with high utilization? If so, I would pay them down to maybe 10% as well as try and get the positive TL back on like Chilton1 recommends. I had a similar experience as you with a positive TL being removed by error. I disputed a couple of baddies and although they got verified (in DV right now), they ended up (all 3 CRAs) deleting my most longest and positive TL which is an Exxon gas card. I called the CRAs and explained what happend and they told me that I had to contact Exxon to get them to add it back on. I told her that it was thier error in the first place so why did Exxon have to put it back on but all 3 CRAs referred me back to Exxon. I called Exxon 3 different times (spoke to different people each time) and explained the error and the supervisors each told me that they (Exxon) report all accts every 30 days. It has now been almost 2 months and the acct has not been re-inserted on any of my 3 CRs. Citibank just bought Exxon and maybe that has something to do with it. I just sent ltrs to 3 different people at Exxon and Citi requesting the acct be re-inserted. I am waiting for results. Good luck.

[zfire]

Exxon is not reporting anything anywhere.

The switch over apparently screwed everyone.

I lost a 12 year positive TL over this. All we can do is wait it out.

[sexy27]

Do you have a friend, relative that will allow you to be an authorized user on their good credit accounts. It needs to be some revolving credit, they are using less than %30 of available credit, no late payments, open, and at least 1 yr old. Their is no liability to your friends. THIS iS NOT A COSiGNER. They are driving, while you are in the passenger seat. You dont get a card, but you get all the history they have also on your credit too. It can happen in 30-60 days. Points can go from 50-120 added to yours. Get maybe 2 of them. But make sure they continue with their good payments. Dont do CAP1/AMEX, make sure the acct allows an AU, make sure wont charge extra to add you, make sure they report to all 3 CRA.

[Kat99]

That totally bites. It has been almost 2 months. The last Exxon supervisor I spoke to even sent me a ltr after I spoke with her (I did not request the ltr) that confirmed that I have an acct with them and it is in good standing. I attached that ltr from her to the 3 ltrs I sent to Citi and Exxon credit depts in an effort to make them speed up reporting. Sounds like it is just in the transition phase and you are right, we are going to have to just wait it out. On another note, Exxon has been very good to me as far as CL increases go. They seem to give me about a $100 or $200 CL increase about every other month although I never have requested a one. I hope Citi will be as lovin since they are now the new credit grantor. Pls update whenever you see that Exxon is re-reporting as I am sure this has happend to several. Good luck to everyone on the long journey of credit repair (smile).

[Kat99]

Sexy27, my husband just added me as an AU on a prime CC he has had in perfect standing for over 7 yrs. His CL is $5k and his balance is only $300. I am hoping for a good score increase. Can you really gain 50-100 points for just being added as an AU? What if he adds me on 2 of his? Why do you say not Cap1 or Amex? Is it because they dont report a CL, they only report your last or highest balance which screws your utilization? Or, is it because some CCs dont report AUs? I belive he added me onto a Direct Merchant Bank CC. Have you ever heard of them? Do you think I or my husband need to double check that they will start reporting on my CRs? My DH said they did not even ask for my ss# but only asked my address and if it was the same as his (it is and it is on my CRs)? Any input would be appreciated. Absolutely amazing, the world of credit that is (smile)

[sexy27]

kat99, yes your score will go up anywhere from 50-100 points. I hate to say this, cause u never know whose here. But people make anywhere from $600-$1,000 in making pple AU as a business. People get desperate for you know, good credit, and will pay $600 now if it means a better interest rate. They figure $600 now vs. extra $7,000 in interest you pay with a low score. My sis added me and i got 75 points in 45 days. Your right, its like i said, if the acct has been open yrs., utilization down, no lates, its the only quick fix i know of. other than deletions. I would just make sure i dont have too much credit, u all know what i mean. I heard Capital1 and American Express will somehow defeat the purpose by not reporting it correctly. I was warned not to try it with them. Good luck!

[TheRoadBack]

kat99, yes your score will go up anywhere from 50-100 points. I hate to say this, cause u never know whose here. But people make anywhere from $600-$1,000 in making pple AU as a business. People get desperate for you know, good credit, and will pay $600 now if it means a better interest rate. They figure $600 now vs. extra $7,000 in interest you pay with a low score. My sis added me and i got 75 points in 45 days. Your right, its like i said, if the acct has been open yrs., utilization down, no lates, its the only quick fix i know of. other than deletions. I would just make sure i dont have too much credit, u all know what i mean. I heard Capital1 and American Express will somehow defeat the purpose by not reporting it correctly. I was warned not to try it with them. Good luck!

an au is definately the way to go!!! and the longer the history wit low utilization the better. You can do it!! Don't give up you will regret it. You are so close so keep on truckin....I am telling yoiut his is worht fighting for so get with it!!!!!!Good luck and post what kind of effects the au had on your cr.

[kevin3344]

they wont remove a judgement

You won't be able to refi with a judgment on your report, no matter what your score. Your only options are to get it vacated or pay it. You may be able to dispute it off but as long as it shows up on one, it will show up on a tri-merged report. Focus your efforts here first.

[Kat99]

Thanks for the info Sexy27. I am so excited to see what the results are. I wonder if he should add me onto another as well? I think I will wait and see what effect this first AU status gets and take it from there. I will update the forum when any activity happens to share the point increase and time it took to get added to my CRs. I have been on this board for a couple of months now and I just barely sent my first 3 DVs (I only have 3 neg TLs on my CRs) out last Friday. I got all the greens back as well as one response from one of the CAs the same day thier green came back. It looks like total bs (not validation) and since this is my first response to a DV, I am going to post the ltr on this board and ask for input to insure I do this first one by the book. Im really not trying to go to court or get $$ either, I just want my CRs clean to open some doors for me. DH and I are looking to buy a home in the next yr so I want everything as great as it can be. So, gotta go prepare my first DV result post and plead for help from the pros on this forum. Thnx again for your input, I truely appreciate this forum and everyone in it so much.