SteveAR Posted July 18, 2008 Report Share Posted July 18, 2008 today i logged in to check my credit reports and what do i find??all negatives removed from my equifax report. Not even 1 negative. Did they delete them or remove them for investigation?? its been 2 weeks since i sent my letters to both the CA's and the CRA's .My score jumped to 670 from a 580 . Anyone want to help me understand what happened? Link to comment Share on other sites More sharing options...
hiblues Posted July 18, 2008 Report Share Posted July 18, 2008 maybe you will want to apply tothose credit cards that are likely only tocheck Equifax...this link shows which companies pull what CR.http://creditboards.com/forums/index.php?autocom=creditpullsbecause your negatives may return... it happensand best to get your 'foot in the door'with some credit cards just in case those negatives return..then you will have good accounts to 'counter' them.from my recent pulls...these companies only pulled my Equifax and not Experian or Trans Union... ( but may be different for you)GE MONEYNORDSTROM INFIBANK/SUNTRUSTRBS CARD SERVICES Link to comment Share on other sites More sharing options...
tarbaby Posted July 18, 2008 Report Share Posted July 18, 2008 it's a catch 22. it is a good time to apply for credit "just in case" the negatives do come back. however if you get approved for a card and the negatives come back...if the new creditors do a review you could end up with a closed account or cld. so do some research on which ones to apply for... Link to comment Share on other sites More sharing options...
admin Posted July 18, 2008 Report Share Posted July 18, 2008 If the negatives come back - make sure you got a written letter from the bureau, otherwise they are in violation... Link to comment Share on other sites More sharing options...
Bigwoodystyl Posted July 18, 2008 Report Share Posted July 18, 2008 Was this an online dispute? Link to comment Share on other sites More sharing options...
SteveAR Posted July 18, 2008 Author Report Share Posted July 18, 2008 things i did so far:1- i did the online dispute for all 32- i wrote letters to all the people t hat have collections and negatives on my CR.3- I wrote a letter to the CRA's to validate all the accounts and that they were part of my stolen identity. 4- called the 3 CRAs and spoke to a rep to dispute the bigger amounts on my CR.5- got my truecredit.com account with all 3 and myfico.com with all 3 and check them daily to see whats left. I keep sending letters out with all the accounts on my report for each CRA. Link to comment Share on other sites More sharing options...
SteveAR Posted July 18, 2008 Author Report Share Posted July 18, 2008 something else might be going on. just applied for a capital one card and looks like was denied. it says they pull equifax but maybe not. ill try best buy to see if its legit. if not , they are playing with my collections lol Link to comment Share on other sites More sharing options...
SteveAR Posted July 18, 2008 Author Report Share Posted July 18, 2008 since this just happened yesterday should i wait a few days as it still not allowing me to get credit? Link to comment Share on other sites More sharing options...
shevar Posted July 20, 2008 Report Share Posted July 20, 2008 Have you tried calling Capital One after they denied you? They may just want to verify your identity. It probably wouldn't hurt trying. I believe capital one usually pulls all 3 bureaus. Link to comment Share on other sites More sharing options...
SteveAR Posted July 20, 2008 Author Report Share Posted July 20, 2008 Have you tried calling Capital One after they denied you? They may just want to verify your identity. It probably wouldn't hurt trying. I believe capital one usually pulls all 3 bureaus.ill give them a call. I see they pulled EX and TU but not EQ lol Link to comment Share on other sites More sharing options...
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