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dev919

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  1. This also happened to me. Auto deletion from Eq. I was really surprised. Sent from my iPhone using Tapatalk
  2. This also happened to me. Auto deletion from Eq. I was really surprised. Sent from my iPhone using Tapatalk
  3. Patiently waiting til the middle of october to call EQ and see about these Navients. All the other bureas have eliminated them this year. Ahhhhh almost a clean report. Just utilization left to get down!!!! Another grand down ill b in the 700 club woohoo Sent from my iPhone using Tapatalk
  4. Awesome@althes. My Experian jumped up 70 points after deleting all those 6 navients. TU and EX lookin good now, the estimators say i can b at a good 715 wit these in 45 days (the first goal) . EQ is gonna lag for a bit. Good luck to u. Sent from my iPhone using Tapatalk
  5. Had to call Experian back this afternoon. The dispute rep only deleted one account out of the 6 that share account numbers. Spoke to a case manager she updated record. At 6pm dispute complete. They are to be deleted. Just awaiting credit report/credit score update. Sheesh. Like a love sick puppy checkin my son email and ex acct every 30 min lol. Sent from my iPhone using Tapatalk
  6. Done the research the most theyll give u is about one month from what ive saw but in my situation trying to get this tier 1 car pricing. So hopefully two bureau scores will outweigh the 1 Heard cases like that but yep. Sent from my iPhone using Tapatalk
  7. Just called into EX and got dreaded Sallie Mae/Navient deleted for being obsolete. It was scheduled for deletion next month (3mo early)Thats 7 COs Now jus waiting for November and call EQ for the same 7 accounts and see if i can get them deleted earlier than December. Gotta work on this utilization tho [emoji848]. But i will have 0 late pays. Shoot all of them were tied to Navient Sent from my iPhone using Tapatalk
  8. I have about 3 months of savings lined up. And the food bill is variable but 150/mth on my end ( we split it). Not really doing fastfood since we are saving. Entertainment and dining out another $100 a month. Sent from my iPhone using Tapatalk
  9. Ty. Where too?? Sent from my iPhone using Tapatalk
  10. Income -~~$1400 bi weekly Fedloans student loans. - 30k~ish $167.15/mth Rent - $1030/mth will be reduced to $975mth when gf moves in Xfinity mobile -$87.15/mth La fitness $70/mth Credit Card maxxed out 10k(this is the most egregious). Minimum pay is $200/mth. Once we move in together Aug 15. This will be all I am responsible for. Goal is to clean credit up enough to purchase a new car. (New car = another credit type [emoji1419]). Now her and I was working on our budgets lastnight and ill have basically a free check a mth. ( which inevitably will get ate up by a car note hopefully by october). She is paying the car insurance; such a lovely woman haha. What advice/tactics. Please chime in. I look forward to all ur advice and comments Ps. I didnt add in moving expenses because this scenario wont take place til after we move. Pss. I am soooo tired of sharing a vehicle, and I have settled my entire driving life on automobiles. Ive never had that new car feel. Well this is the grind thatll get me there.
  11. Current fico 8 scores. Sent from my iPhone using Tapatalk
  12. Hey CB, newbie here. I have been reworking my credit profile for 3 months. Got my TU score up to 668 from 590. My Ex is holding at 600 and my Eq is at 587. Ive disputed several things with the CBs. Name, address, social, inquiries, and have all my collections but Progressive come off (i am going to have to pay that $134, no getting around it)(hopefully a good score increase from that). I have Navient CO; DOFD - dec 2011 Nfcu visa maxed out (currently trying to pay this down)(simulator says score EX will go up over 100 pts if i pay down 1500 of the 10k owed) 1 Collection. $134 Progressive EX only Acceptance Now Charge off $1511 (scheduled To fall off oct 2020) TU removed NAVIENT almost 2 months ago thanks to my dispute letters (i guess or maybe it was time to fall off). and have sent those same letter as well as the TU letter stating “investigation complete dispute results”. So on my credit report, Navients’ DOFD is December 2011. Disputing with the same info i sent TU, both have come back and basically said “we verify the info is complete” blah blah. I called up to Ex and was told that they would come off on Sep 8, asked for early deletion, no dice, that was end of June. Wondering if i should wait til then or should i try another method with EX? What should i do with EQ, score dropped because Navient now randomly has increased balances on these CO accts?! When should i go for deletion with EQ and EX?? Sent from my iPhone using Tapatalk

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