I opted out of Lexus a while ago using the method of lost card as a risk of ID theft (My card actually had been used fraudulently in a different state somehow, so I did have a legit reason for disputing on that reason).
Then I started deleting addresses from EQ. When I filed BK, I lived in an apt and my previous address on EQ was the right street but no apt, so I disputed as never lived there. Once that was gone and I showed no previous address, I did a online dispute of the BK.
I thought everything would go smoothly, but then a new previous address showed up - and this one was the apartment address with the correct apt number. So, I filed a 2nd dispute at the same time on that address. That 2nd dispute ended yesterday and resulted in that address getting removed too.
Today, when I pulled MPM, I saw the BK was missing from there so I checked the status of the EQ dispute. It was still showing as pending, but had a estimated completion date of today.
I just signed in again and it now said ready.. and the details say :
>>> We have reviewed the bankruptcy information. XXXXXX The results are: This item has been deleted from
the credit file. If you have additional questions about this item please contact: Federal Bankruptcy Court, XXXXXXXX
I am so stoked now. Downside which I knew would be the case is that I still have 3 accounts that show IIB on them.. but they will all drop within the next year. I figure that since they are almost 7 years old, they wont play too much and with the PR gone, my score should see a bump. I am just going to let those accts lay low and not dispute anything with them.
I will update later tonight once I can repull EQ and see what my score did. Its showing a 701 on EQ Complete now, so it will just be a FAKO bump for now.
Thanks for all the great advice and knowledge here!
EDIT: I was impatient to know about score so checked the MPM score... went from 696 to 748!
Edited by itrev82, 13 July 2012 - 05:30 PM.