If I was you.... I'd be calling FTD! :P Experian update on the flowers....

[radiodesignguy]

Radio,

 

You've posted some "interesting" threads, and as Hege said: "we all cut our own path through the credit jungle..." But your credibility is starting to be questioned on these boards. If you're here to contribute, why not provide evidence for your unconscionable claims.

All true, however he did post a screen shot of his recent delete results, anything else could be doctored just as easily, (if it was posted) not that it was but why badger this guy for additional evidence? (I'm not saying you are shaft, i just see a lynch mob bandwagon gang up thing orchestrated by the usual suspects, and thats not something i enjoy or respect here on these great forums, honestly i don't mind saying so, i think someone needs to.

 

I feel you on that BD. And it's not the deletes I'm questioning. But he is implying that these deletions came as a result of some unconventional methods. Enough people feed the "F" Monster, I don't want people to be naive and feed another "F" monster (i.e. flowers.com) because he's boasting on some unconventional methods that can't even be validated.

 

Actually, you are wrong here. If you re-read all the threads involved in this topic, you will quickly see that the flowers plan was more of a "hey look at me." I disputed the accounts with valid information and valid disputes. However, Experian and their "System" put me on ignore. Its not like I sent them the flowers and they just hit the delete button because of me. It was a "get attention" tactic, NOT a dispute tactic. My disputes were still sent the conventional way you can find on the forum. The flowers were to yell louder than Experian's "ignore button" aka "Previously Verified."

 

Radio, that makes sense! Thank You!

But look at the title of this thread: "If I was you.... I'd be calling FTD!" What is that implying?

 

It was another "HEY LOOK AT ME" attempt with the title. The same people that have been referencing the "notorious flower thread" when replying to my posts and such in other threads knew what I meant.

 

Cliff Notes: It was me being a smart flowers.

[shaft]

This bickering is besides the bigger accomplishment, your deletions!

 

Congrats my CB brotha!

Edited July 16, 2008 by shaft627

[Stump]

I guess this "Radiodesignguy" thread is going to end up like all the rest. Where is the respect around here? If he says he's done what he's done, okay so be it. Even if it sounds questionable, there should be some respect shown.

 

I must've missed where he downed people who worked hard on credit repair the normal ways. I read and re read and never found him downing anyone.

[radiodesignguy]

This bickering is besides the bigger accomplishment, your deletions!

 

Congrats my CB brotha!

 

Thanks

 

Now I just gotta figure out...... what the hell do I do now? I'm gonna dispute the 5 remaining baddies on EX, 3 on EQ, and 7 on TU but then what? A majority of the remaining baddies are gone by this time next year because of 7 years. I gotta do an "inventory" of drop off dates.

 

It's been a long time since I've even contemplated applying for credit. I have an agenda (contract work that needs good credit to rent equipment) but I don't think I can start that yet. I feel purple right now, seriously. I don't need "credit" in the form of cards, loans, etc. I have two cards I'm content with to keep building and don't even use them. I'm like stuck on

[philly1030]

Radio

 

With all of this stuff removed what are your FICO scores????????????

[radiodesignguy]

Radio

 

With all of this stuff removed what are your FICO scores????????????

 

Haven't checked yet. I'm going to order all 3 FICO's but can't until I get all the security freezes lifted.

 

If I remember correctly, my EX FICO last time I checked it (about two months ago or so I think) my FICO was 492 I think. This was with the same report prior to today's delete notification because my reports don't change. All my accounts are 5+ years old for the baddies, and the open accounts are all less than a year old.

 

I'm hoping its over 550 but honestly for what I need my scores to be for it to count I don't think it matters. I need to be at 720+ to be able to use my credit to do what I want to do.

[TeeSharice]

Believe the dude or not...all of the berating & bickering must stop IMMEDIATELY

 

there are MANY threads/stories/scenerios that I cast doubt upon.... we arent the judge & jury... CBs is here for us to share experiences......but no one is advised to be posting "proof" that is being requested here... in FACT, the OPs needs to stop posting so much identifying info...

[nyrfann]

Believe the dude or not...all of the berating & bickering must stop IMMEDIATELY

 

there are MANY threads/stories/scenerios that I cast doubt upon.... we arent the judge & jury... CBs is here for us to share experiences......but no one is advised to be posting "proof" that is being requested here... in FACT, the OPs needs to stop posting so much identifying info...

Tee

[radiodesignguy]

Believe the dude or not...all of the berating & bickering must stop IMMEDIATELY

 

there are MANY threads/stories/scenerios that I cast doubt upon.... we arent the judge & jury... CBs is here for us to share experiences......but no one is advised to be posting "proof" that is being requested here... in FACT, the OPs needs to stop posting so much identifying info...

 

 

 

 

 

You owe me a new laptop I just spit mountain dew all over the place.

 

 

[TeeSharice]

Believe the dude or not...all of the berating & bickering must stop IMMEDIATELY

 

there are MANY threads/stories/scenerios that I cast doubt upon.... we arent the judge & jury... CBs is here for us to share experiences......but no one is advised to be posting "proof" that is being requested here... in FACT, the OPs needs to stop posting so much identifying info...

Tee

 

 

 

hey Joe... whats new?? Im having Citibank issues... hope they dont roll over to be all my major creditor issues....

[nyrfann]

Believe the dude or not...all of the berating & bickering must stop IMMEDIATELY

 

there are MANY threads/stories/scenerios that I cast doubt upon.... we arent the judge & jury... CBs is here for us to share experiences......but no one is advised to be posting "proof" that is being requested here... in FACT, the OPs needs to stop posting so much identifying info...

Tee

 

 

 

hey Joe... whats new?? Im having Citibank issues... hope they dont roll over to be all my major creditor issues....

Yea I seen that, had to do with a BT or something, correct?

[radiodesignguy]

So.... back to business...

 

Anyone have any suggestions on what I should do now? I'm going to keep fighting the remaining baddies even though they are all due to be deleted because of the 7 year limit next year.

 

I need my score to be above 720. I have one installment and 3 revolving total. I'm thinking about firing Merrick Secured now.

 

Honestly, I didn't expect all this to actually work or get this far along so fast. I'm kind of still shell shocked.

[Operation_Home_Ownership]

Now I just gotta figure out...... what the hell do I do now?

 

Set up MIL spending account

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SHAME

[Curious]

Wow! Can't we cut the OP some slack. Whether he's telling the truth or not, none of us really know so let's give him the benefit of doubt. Congrats OP!

[madshooter]

great job, who cares if anyone believes you or not, all that matters is that you accomplished what you set out to do.

[firefighter 161]

I agree. On a PC I have to type Alt + Print Screen. Holding 2 keys down at a time is quite difficult and cumbersome :-)

 

Yeah, I will. I forgot to grab the paperwork. I don't have a scanner at home. Don't need it. I was able to post this because it was just a screen shot and it's easy to do on a Mac because of the built in "Grab" software.

 

It takes 2 keys on a MAC as well

[helpneededintx]

I guess this "Radiodesignguy" thread is going to end up like all the rest. Where is the respect around here? If he says he's done what he's done, okay so be it. Even if it sounds questionable, there should be some respect shown.

 

I must've missed where he downed people who worked hard on credit repair the normal ways. I read and re read and never found him downing anyone.

 

I agree...He's done it his own way and it worked. It may not have been a way that "we" all agree with but it worked for him. I have read and re-read all of his previous posts and I missed were he downed others as well. He has really taken a lot of heat for doing something unconventional. I just hope this thread will stay around longer than the others.

 

Good luck Radiodesignguy!

[Credit Matters]

Radio, congrats.

[psp]

Heck yea! Congrats:)

[toopooor]

So.... back to business...

 

Anyone have any suggestions on what I should do now? I'm going to keep fighting the remaining baddies even though they are all due to be deleted because of the 7 year limit next year.

 

I need my score to be above 720. I have one installment and 3 revolving total. I'm thinking about firing Merrick Secured now.

 

Honestly, I didn't expect all this to actually work or get this far along so fast. I'm kind of still shell shocked.

It's 7.5 yrs, not 7. Start with the oldest baddies - the ones coming off the soonest. About 6 months before they are due to fall, dispute as obsolete. You could start sooner, but if you've disputed them over and over as much as you say, its probably not going to work if you do it too soon.

[captain_cavey]

Congrats keep up the good work..Like toopoor says I would wait to dispute as it might come back previously verified or frivolous.At this point I wouldnt worrie about the FICO score and just keep working on repair.All the disputes you got might have lowered your score.When I started credit repair I was in the 400s got a ton of deletes scores went into the 300s due to loss of age,but its better to have a clean report and low score then a good score and bad report.

 

Its been my experience that the will delete as obsolete 6 months before the 7th year.The only one that gave me trouble about that was EQ.

 

Just one ????? how did you get SunTrust one of the most conservative lenders out there to give you 45,000

[radiodesignguy]

Congrats keep up the good work..Like toopoor says I would wait to dispute as it might come back previously verified or frivolous.At this point I wouldnt worrie about the FICO score and just keep working on repair.All the disputes you got might have lowered your score.When I started credit repair I was in the 400s got a ton of deletes scores went into the 300s due to loss of age,but its better to have a clean report and low score then a good score and bad report.

 

Its been my experience that the will delete as obsolete 6 months before the 7th year.The only one that gave me trouble about that was EQ.

 

Just one ????? how did you get SunTrust one of the most conservative lenders out there to give you 45,000

 

I'm going to order my FICO here in a few minutes just for Experian because now I'm actually curious as to what it did.

 

 

SunTrust: Look at my post on page two. http://creditboards.com/forums/index.php?s...t&p=3240688 and click on link.

 

I have almost $400K in their bank in cash. A condition of getting my business was they provide me a credit card with a decent limit. I don't do "branch business" with SunTrust. I'm with their "private banking" which just means I have more money in the bank than normal. So, they gave me a credit card with a $45K limit. However, its not secured and doesn't report as secured. It's secure for them because there was a bunch of fine print in the approval that pretty much says that if I withdrawl all my money or I'm not in the same financial condition as I was when they approved the account, they can take any money I owe them out of my accounts at will. I also got the secured personal loan for $100K with a cash secured. They put a "hold" on $100K in my Signature Investment Account and then gave me a loan for $100K @ 1% interest over what I'm earning on the investment account. I just deposited the loan money back into the investment account. They are also not reporting the $100K as secured either. Not sure why or why not. It shows up on all 3 CB's as a Installment Loan. However, it is showing at 100% utilization so that's not good but just started reporting last week. I figured I'd keep this loan open until my score broke the 700 mark and then PIF. I just wanted the TL on there and the limit showing on there.

Edited July 16, 2008 by radiodesignguy

[radiodesignguy]

per MyFICO.com my Experian score is 614.

 

Not 700+ but I'll take it. Better than the 492 I was at before.

[DearAbby]

So

, I got an email a few minutes ago. Experian has updated my results from my disputes. These disputes are the ones from when I sent them flowers and had a conference call with Experian if you remember the thread. In fact, here is a link to the thread:

http://creditboards.com/forums/index.php?s...=345878&hl=

 

I will let the results of the dispute speak for themselves. I did a screen capture

so

you can see the actual Experian results page which I'm sure all of you are aware of and have visited before.

 

SCREEN SHOT LINK

 

 

 

 

All I have to say is many Congratulations YOU broke through the Experian stubborness!! I have dealt with Experian for so many years and ended up with more harm than good.

 

Also, I have found myself logging on just to find your posts because you have managed to liven up the credit repair boredom.

 

Do keep us posted -- so that those of us with soon to fall off derogs can ride out the last few months of negative reporting gone bad by the CRA's wilful noncompliance with patience and maybe, just maybe, one of us will try your method!

 

It seems that your motto is: If there's a will, there's a way!!

[MarvBear]

RDG: question for you.

 

The 100K that suntrust loaned you, was that an installment loan or a LOC? Do you know how it reports to file(s)?