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About mikewilkes

  • Birthday December 6

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  • Location
    Houston, Texas

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  1. UPDATED RESULTS: After sending the initial dispute letters to TU and EX, TU deleted the collection account from my report (letter received on Oct. 4) 🤗 On Oct. 7, I received an email notification from CreditCheckTotal stating my EX account has been updated and another email stating my dispute results are ready. I am still waiting on the hardcopy of the dispute results to confirm if there is any documentation sent from the CA.
  2. Hi All, I had a collection pop up on TU and EX this month (September 2021) for a service performed, by Radiology Partners, in 11/2018. I never visited this location and have no knowledge of this bill so it has to be one of those cases where a physician sends the patient's scans to another facility. The JDB is listed as MBA Law and it appears we are both located in Texas. I did a little research this weekend to find there was a 2019 law passed, in Texas, that protects consumers from those surprise medical bills. I was wondering how should I proceed with my dispute. Should I sen
  3. Yep...I was hoping there was a way to get it back. They surely loved reporting it with negative 😂 Thanks!
  4. Hedgemony, Yes, the late was removed due to age. It was scheduled for deletion on 7/2019 so I patiently waited for the 84-month mark. It only had a single negative. Yes, getting the account dropped by the other 2 bureaus is what I am hoping not to do if I dispute it.
  5. Hi everyone! I finally had a delinquency (60-day late payment in 7/2012) on a student loan, with ACS Education Svcs., removed from my reports. Apparently, the account has been properly updated by Equifax and TransUnion but Experian has deleted the ENTIRE account 😯. It was a good account (opened is 2004 and closed in 10/2012) so it should still be reporting as a paid account. Is it possible to get this account restored by Experian? I was thinking I should create a dispute, regarding the late pay (still appearing on my EX report), with the creditor so they can update my account i
  6. I'm sure I have seen this before but I am unable to locate the post.... Which credit card companies, other than Chase, report PIFs before the reporting date?
  7. My first and oldest CC was a Chevron/Texaco Synchro gas card (from back in college in the mid 90s) with a $100 credit limit. Previous CLI requests would have resulted in a hard pull for a minimal increase so I never used it. After reading this post, I hit the luv button last week to request $30K (expecting the lower amount on a gas card) and they countered with a $400 increase. Finally, an increase with a $500 credit limit and no hard pull on my credit report 😁
  8. I hit the luv button on my Citi card (every 90 days) to receive the highest CLI ever for this particular card ($4K). $18,260 ---> $22,260
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