myscoresawful Posted November 25, 2007 Report Share Posted November 25, 2007 About 8 months ago, I found this site and began my credit repair journey.Since then, I have had 16 deletes that include 1 repo for a total of nearly $16K removed from my report.All 3 or my fico scores have increased by over 100 points.I have fought Cap 1 in court and won. (finally getting them off my reports).Yet, there are quite a few left, including several that slipped in while I was first learning the ropes here.Today, I sent off (online) my second round of disputes.With EQ I disputed:5 items as "not mine"1 item as "never paid late"With EX I disputed:4 items as "not mine"2 items as "never paid late"1 item as "obsolete"With TU (they are going to crucify me, either with a Fraud alert of frivilous activity) I disputed:9 items as "not mine"2 as "obsolete"2 as "never paid late"There are 3 OC's that I plan to mail dispute letters to this week, I am working on them now. I have disputed with the CRAs all three items and they came back as verified.I will come back to this post and update as things begin to happen, even if they are not good things.Wish me luck! Link to comment Share on other sites More sharing options...
Donna47129 Posted November 25, 2007 Report Share Posted November 25, 2007 Goodluck! Hope you get a bunch of deletes... Link to comment Share on other sites More sharing options...
TheRoadBack Posted November 26, 2007 Report Share Posted November 26, 2007 good luck!!! Link to comment Share on other sites More sharing options...
redskinfan Posted November 26, 2007 Report Share Posted November 26, 2007 I just sent my 2nd round of Goodwill letters this time to the CEO's and with the bank the Branch Manager hopefully this time something will be done...I hope they are being extra nice due to the holidays.Good luck to you.Rhonda Link to comment Share on other sites More sharing options...
whocares Posted November 26, 2007 Report Share Posted November 26, 2007 Good luck...I hope you get deletes for Christmas Link to comment Share on other sites More sharing options...
admin Posted November 27, 2007 Report Share Posted November 27, 2007 Just make sure you dispute different info or dispute different items ever time you send in a dispute. Then it can't ever be frivolous. Link to comment Share on other sites More sharing options...
myscoresawful Posted November 27, 2007 Author Report Share Posted November 27, 2007 Well, I am maybe a little too curious, but just for the heck of it, I logged into TU to check the status of my dispute and this is what I saw: Credit report printed 11/25/2007 Investigation details Investigation requested: 11/25/2007 Estimated completion date: 12/25/2007 Investigation status: 2 of 13 items completed Status updated: 11/27/2007 Return to top It doesn't say what the two are that have been completed so quickly, but I imagine it is either the late pay disputes or the obsolete ones. The obsolete ones are not showing DOLP or DOFMD on my CR, so I don't know if TU will simply say "no, there's still more time on them" or contact the CO and CA respectively (one of each) and have them verify anything.It would be great if it were the lates removed.I wish there was some way I could find out which two are complete. Link to comment Share on other sites More sharing options...
myscoresawful Posted December 2, 2007 Author Report Share Posted December 2, 2007 About 8 months ago, I found this site and began my credit repair journey.Since then, I have had 16 deletes that include 1 repo for a total of nearly $16K removed from my report.All 3 or my fico scores have increased by over 100 points.I have fought Cap 1 in court and won. (finally getting them off my reports).Yet, there are quite a few left, including several that slipped in while I was first learning the ropes here.Today, I sent off (online) my second round of disputes.With EQ I disputed:5 items as "not mine"1 item as "never paid late"With EX I disputed:4 items as "not mine"2 items as "never paid late"1 item as "obsolete" With TU (they are going to crucify me, either with a Fraud alert of frivilous activity) I disputed:9 items as "not mine"2 as "obsolete"2 as "never paid late"There are 3 OC's that I plan to mail dispute letters to this week, I am working on them now. I have disputed with the CRAs all three items and they came back as verified.I will come back to this post and update as things begin to happen, even if they are not good things.Wish me luck!One of the accounts on EX that I disputed (the one as obsolete) I did so because it was a utility bill that I had turned on in my name at my daughter's apartment so she wouldn't have to pay a deposit. It was turned on in Aug 2000, so I am pretty sure the DOFMD would be Sep 2007. Anyway, there was no DOFMD being reported, so I disputed the DOLP with EX and chose "obsolete" as my dispute. (after all, it was showing that it wouldn't be removed from my report until May of 2008). I saw the results of this dispute today and it has been verified and updated to show that it will remain on record until FEB 2008. Wow, big deal, It's still wrong, even if it is 3 months less than what it was before disputing. Link to comment Share on other sites More sharing options...
myscoresawful Posted December 22, 2007 Author Report Share Posted December 22, 2007 About 8 months ago, I found this site and began my credit repair journey.My second round of disputes:The Experian Results are back:With EQ I disputed:5 items as "not mine" 1 item as "never paid late"With EX I disputed:4 items as "not mine" 1 DELETE, (the other 3 verified)2 items as "never paid late" Verified1 item as "obsolete" VerifiedOf those verified, I am going to dispute with the OC 2 of them and DV with the CA the other 3With TU (they are going to crucify me, either with a Fraud alert of frivilous activity) I disputed:9 items as "not mine"2 as "obsolete"2 as "never paid late"Still waiting for the results from EQ and TUI will come back to this post and update as things begin to happen, even if they are not good things.Wish me luck!My update as of 12/22/2007 Link to comment Share on other sites More sharing options...
myscoresawful Posted December 24, 2007 Author Report Share Posted December 24, 2007 About 8 months ago, I found this site and began my credit repair journey.Since then, I have had 22 deletes that include 1 repo for a total of over $16K removed from my report.All 3 or my fico scores have increased by over 100 points.I have fought Cap 1 in court and won. (finally getting them off my reports).Yet, there are quite a few left, including several that slipped in while I was first learning the ropes here.Today, I sent off (online) my second round of disputes.With EQ I disputed:5 items as "not mine"1 item as "never paid late"With EX I disputed:4 items as "not mine" 1 DELETE, (the other 3 verified)2 items as "never paid late" Verified1 item as "obsolete" VerifiedWith TU (they are going to crucify me, either with a Fraud alert of frivilous activity) I disputed:9 items as "not mine" 4 DELETES!!2 as "obsolete" BOTH DELETED!!2 as "never paid late" Verified4 of the ones deleted were less than 2 years old!There are 3 OC's that I mailed dispute letters to this week, I have disputed with the CRAs all three items and they came back as verified.I will come back to this post and update as things begin to happen, even if they are not good things.Wish me luck!nice christmas prezzie! Link to comment Share on other sites More sharing options...
hasas13 Posted December 24, 2007 Report Share Posted December 24, 2007 Keep it going. It takes time. I know we hope the system was faster. Link to comment Share on other sites More sharing options...
Moriah4 Posted December 24, 2007 Report Share Posted December 24, 2007 Merry Christmas My Score Keep up the good work! Congrats and BlessingsMoriah Link to comment Share on other sites More sharing options...
YoUrFrIeNdMiKe Posted December 26, 2007 Report Share Posted December 26, 2007 Be encouraged down the road things will be much better. Link to comment Share on other sites More sharing options...
myscoresawful Posted December 31, 2007 Author Report Share Posted December 31, 2007 With EQ I disputed:5 items as "not mine" 3 DELETES! and 2 Veified1 item as "never paid late" VerifiedWith EX I disputed:4 items as "not mine" 3 DELETES, 3 Veified2 items as "never paid late" Verified1 item as "obsolete" VerifiedWith TU (they are going to crucify me, either with a Fraud alert of frivilous activity) I disputed:9 items as "not mine" 4 DELETES, 5 Verified2 as "obsolete" BOTH DELETED!2 as "never paid late" Verified12 Deletes this round, though 3 of them were for the same collection account, so I guess there were actually a total of 10 DIFFERENT baddies deleted between the 3 CRAs in all!My scores have dropped a little because 2 CCs had a recent 30 day late, and I have a new CC just start reporting, but in 6 months, I am going to buy a house, I PROMISE you, I WILL!!!! Link to comment Share on other sites More sharing options...
myscoresawful Posted January 5, 2008 Author Report Share Posted January 5, 2008 YES!!!!Finally, CRAP 1 is GONNNNNNNNNNNE!!!!!!!! Gone from all three finally!!!!!!!!!WoooHooo!!!!!!!!!!!!!frigging EQ increased by 2 T-W-O points!I know the debt was old, but it WAS showing in the balance of my revolving accounts (almost $2500.00, now gone)!!!!!sheeeesh....oh well, it's GONE...*doing the happy dance* Link to comment Share on other sites More sharing options...
Magdalen77 Posted January 5, 2008 Report Share Posted January 5, 2008 YES!!!!Finally, CRAP 1 is GONNNNNNNNNNNE!!!!!!!! Gone from all three finally!!!!!!!!!WoooHooo!!!!!!!!!!!!!frigging EQ increased by 2 T-W-O points!I know the debt was old, but it WAS showing in the balance of my revolving accounts (almost $2500.00, now gone)!!!!!sheeeesh....oh well, it's GONE...*doing the happy dance*Cheer up, the score might just increase more quickly as the months pass now that a big part of the balance is gone. Link to comment Share on other sites More sharing options...
myscoresawful Posted February 2, 2008 Author Report Share Posted February 2, 2008 I disputed 3 items on my EQ last month and received the results from EQ in yesterday's mail, dated JAN 24.All 3 were verified, one of them is a collection.Today I checked my EQ fico, and that collection is GONE! (I had also sent a DV to the CA about 2 weeks ago, so that maybe have been the reason for the delete, since they did verify with EQ.It's still on the other two, in my DV, I told them to remove ALL reporting, maybe it just takes a little longer for some of the other agencys to delete?at any rate, it's pretty old still had over a year left on it though, so I'm glad. Link to comment Share on other sites More sharing options...
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