Possible reason for a dispute???
My husband and I dealt with a vehicle repossession in November of 2015 (Please don't judge - It was due to job loss) and we are working on rebuilding our credit. I have been reviewing my credit report...
View Articleguidance
I noticed my experian account has updated with lower balance on open car loans ( no revolving accounts) but NO change on score. Im trying to rebuild staying current (7 mos) and using a credit repair...
View ArticleGetting State Tax Liens Removed
I've tried everything. My state tax liens from New Mexico were released in 2014 and I've disputed, sent certified letters to the state, called the state, emailed the state and nothing. There is no...
View ArticlePossibility of disputing a public record?
Back in 2011 I defaulted on a loan with Tower Loan. It was due to job loss which was out of my control. They harassed me for months by coming to my home and such until they finally took me to court....
View Article4 Months Of Rebuilding Complete...On To Month 5!
Started in late Jan of this year. I didn't get my scores for several weeks after I started so I am sure my actual starting numbers were worse. In May I managed to get 3 charge offs deleted from my...
View ArticleReturn Email from Creditor; What now?
So I reached out to my Student Loan Consolidation provider to see if they could grant me GW on the recent late payments that were on my credit report. I reached out to them via phone. The supervisor...
View ArticleShould I dispute names and addresses?
Good morning! I have a very long list of names and addresses on all three CRs. My names is mispelled 15 different ways and I have addresses I've lived and addresses I've never heard of. Does this...
View ArticleRebuilding--is this going to be possible
Hi!So I have been lurking for two years now on this board. I lost my job in July 2014 at 8 months pregnant. Since then all of our bills fell behind, both my husband and I had our cars repossessed and...
View ArticleRebuiling with some stubborn accts.....
Here Goes!I have been in the process for trying to get myself on track since Jan 2016 initially by signing up for a credit repair company and since Jan they have helped by removing 15 items off of my...
View ArticleEquifax deletion 1 month early
For those who are interested, I had heard that Equifax deletes aged accounts on the first day of the month prior to the month it is scheduled for deletion. My experience just confirmed this. I had...
View ArticleWill my score increase from this?
So I got my newely updated 3B report today, I had a bump on my EX and TU. But since first premier updated on all 3 reports in May after I asked for debt verification it dropped my EQ score from 620ish...
View ArticleLate Payment Q&A
Just wanted to verify. If I have one late payment 6 1/2 years old, does the late payment get removed at 7 years and the account turn positive? Status on account is paid as agreed and closed.
View ArticleMidland collection reported after dv
Long story short, I got a collection notice from midland, having no idea what it was for I sent a dv right away. They send letter back saying they received my dv and would investigate and send me an...
View ArticleShould I take the chance if judgement only on one CRA
DD has a judgement (Showing not satisfied) that only shows on Transunion. Mid score 649 Its actually a paid judgement! Her apt complex gave her a paper to take to court clerk to show its been paid....
View ArticleScore increase
Today I got an alert that my TU score increased 13 points to 601. I have all 3 in 600's!!!! I am happy. I still have a long way to go but that's a big improvement since March when I was low 500's.And...
View ArticleSuggestions
Hi all - I wanted to see if you would be willing to give some advice. I am looking to purchase my first home (the sooner the better), but have some things showing up on my reports still and would...
View ArticleWhere to start?
I got my first credit card at 18 (chase) with a CL of $500. Just like any other dumb teenager I maxed it out and never paid it. Instead I just went off the grid until August 2015 when I opened my first...
View ArticleMedical Collections
How do I go handle old Medical Collections? Currently I have 850 in medical collections which is past SOL and exclusion date is 2018. I need to know how I can remove this collections account? I have...
View ArticleTU/EQ reporting question
I was wondering why my TU/EQ scores are so different. I have the same baddies on both, just different fall off dates but just noticed something. This is from credit karma (I'm ignoring the scores):TU:...
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