I’m a newbie and this is my first time posting. First, I want to say this site is phenomenal! It is such a blessing to have found CB. After lurking for a few days, I immediately signed up and I couldn’t stop reading! I wish I would’ve found this site a long time ago. Specifically, before I filed a Ch.7 BK, which discharged almost 2 years ago. I had so many questions until I read through hundreds of posts. I still have some questions on what I should do next if someone can point me in the right direction.
So a little background...After my BK discharged in 2016, the only resource I had at the time for guidance was on MF. Immediately after BK, I got a credit builder loan, two secured CCs through USAA and GTE, and a FingerHut card to start my credit building journey. I was able to do minor things by disputing old addresses and getting all TL’s IIB to report as such. Then I attempted to dispute a judgment and BK but failed. I attempted all of this online, which I now know was very bad, and I should’ve CMRR.
During this time, my credit went from the 480’s to about 650’s. I was stuck in that range for what seemed like awhile. I became a bit discouraged because I was getting denied for credit due to the judgment and BK so I sort of gave up. Ugh. So I hired a credit repair company I dealt with several years ago to help me once again, but that didn’t last very long. Between my husband getting injured at work and my toddler’s medical bills, I had to end the credit repair services since we were relying solely on my income and it got tight really quick.
Fast forward to now, I found unopened credit reports from all 3 CRAs and LN dated back to mid-February 2018 (I traveled for work all that month so I never saw the reports). I noticed the judgment was removed on all reports, and BK removed from EQ. TU deleted 1 out of 7 disputes, which are the IIB TLs. The results on the other 6 accounts stated “disputed information updated and other information updated”. EX also had the same statement for the disputed accounts with the exception of one, which states “Remains - the company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute...” EQ deleted all of the IIB TLs (yay!). Now to dispute the inquiries. LN simply stated that they verified the BK so no changes there.
The BK and judgment being removed gave me hope to continue working my own credit repair instead of wasting hundreds of dollars for someone else to do it. So I endeavored to get back on my credit building journey.
With that said, I’ve opted out and froze LN, and all of the other little CRAs and data mining sites. I’ve also requested full file disclosure on them too. So what should I do next? Should I proceed with sending MOV letters for the “updated” results, or start from scratch? Does it matter that the reports are dated mid-February? I figured why re-invent the wheel, right?
I don’t know what the credit repair company used as a reason to dispute the IIB accounts on the CRA and LN reports. The more I read and learn, the more I feel silly for even using a credit repair company [emoji85]. Lesson definitely learned. Any advice is greatly appreciated!
Thanks so much in advance!
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