Fairly Rapid Success And Some Thoughts on the Process

[Phartsmeller]

I started The Credit Repair Process on 8-15, And Have Had Better results Than I expected Particullarly with Experian and Transunion.So far I have Gotten 5 things off experian. 4 With Transunion.And I am Less than Impressed with Timeframe which equifax/csc works,which nothing has happened there other than 2 accounts which were thru original Creditors that Id bet Have No real record of the account said verified fcra yadda yadda yadda(I'd Guess they are big Spenders with equifax).But I have Used a slightly different technique That seems to be effective,Not By design but Because I have no Patience or faith that People are really willing to do there jobs,which I was right on that count.I sent a bunch of I dispute Letters to all 3 CRA's certified.As I figured about Half Didnt get a Notation of under Dispute on my CR. So I called all 3 cra's and Made Disputes.I Online disputed all 3 cra's and printed the online disputes and sent them again certified.Ok Now finally all of My Disputes are showing,Even got a letter allready from Trans_U That 3 Big ones had been deleted, One for about 22k, another was repo in 01,The HSbC Bank 5800,in 02. This is Pretty encouraging because I could tell That when they first put up the 4 accounts They Decided to Fool with (I disputed 13 ) 3 are goneThe one that is not allready has a note of a 2nd dispute following 1st,which is only becuase I sent so many disputes in different ways Its AMEX(SEE NOTATION Probaly spends alot of money with Equifax).Now thru Phone and online I have all the disputes listed.But it Took Both other methods to get them there.Had I had Patience I would have waited a month to see that they only felt like messing with 4 or 5 in experian's case.I also sent Validation Letters to CA's the same day as original mail out to CRA's.Since csc does a pass thru to Equifax it just lends to oppurtunity for dropping the ball.And I clued into How eager these People were to do there Job when I called experian Dispute Line and was hung up on The first 2 times Prior Me saying a word.I guess its just easier to pick up and say Hello and slam phone down as though no one was there. My Credit Scores were from 509Low to 563High,Now are at 606 632 (And still waiting Equifax to render some Action)But I can see that Now all my Disputes are Listed there as well as the Others. I say 97 pts and 69pts is a Substantial gain in Less than to weeks from Start.I Did the Crown Jewelers Thing and was approved for 1500,That was so easy it was scary.Ordered a 300.00 Watch that i will pay on for 6 months to get Max Benefit.And Here is what I really want to say. I Debated doing this 6 months ago.I realize I would Have Been Done Now. Do Not waite. Thats all I have to say.I have a Good Friend Who is a Dentist That always Says, and has since Highschool,,,Money May not Buy you Happiness,but it sure increases your bargaining power.Well The same is True For Credit..Especially if used wisely. Thanks for all the Helpfull Insight on This Board.I'll Keep you Posted.

[Phartsmeller]

Spelling and Story Telling Arent My strong Points.But I needed to convey to someone Who Might Could relate.Everyone I know has 850plus Credit and Looks at me like ,Jeepers who cares,or Says Something back Like hey I was approved for 125k Car Note thru Ebay with No Down Payment.. I Dont Think when you are intially starting out You can dispute these CRA's enough.The Squeeky wheel gets the oil deal. Good Luck To you all.

[Guest tigger7588]

I am getting similar results here. I wish I would have known about this site sooner would have kept me from constantly feel like I was under the shackles of debt.

I have 10 bad accounts with a total of 22 negs in a week I have had 4 negs removed and working the 'ol 1 2 with the rest untill they give in.

and my fave two money quotes....." Whoever said that money can't buy happines doesn't know where to shop" and my fave "It's true that money can't buy happiness, but it sure can support your misery in Style!

[whocares]

I had a bit of success too. I have learned so here...I went from 5 negatives to 1 so far, reading everything will help...even if it does not apply to you right now, it's good to read....Knowledge is power...heres my saying

sometimes we change our lives, and sometime life changes us...

[skybluepink]

I am afraid of being as aggressive since mine are still within SOL. But it is an empowering feeling when you see negative things coming off your credit report. Congratulations!!