CRA Jumps 54 points on 1st Dispute

[ayapaq]

Spouse was in car accident three years ago requiring hospitalization & full recovery. Slow pays led to multiple lates on student loan, multiple small collections on utilities, one judgment on 29% car shark loan & repo of vehicle (we turned it in).

 

Journey to credit rebuild after paying off Original Creditors began by online dispute of inaccuracies. We successfully deleted four small collections and one judgment from EX, resulting in a 54 point leap in FAKO; two more baddies remain, on EX. The same inaccuracies are on the other two CRA's but we have read CB and are starting with removing old addresses first.

 

We have since read up on deleting old addresses and sent in address deletion requests today.

 

Spouse is now an AU on a $4,000 Credit Union 1 Mastercard Classic (did not require SI or HI).

also an AU on $16,000 USAA World MC & $1,100 Discover card.

 

After baddies, cleaned up; we hope to jointly secure mortgage. Stay tuned.

[moosetracks]

Congrats to your success so far

[Vettecor]

Good job !!! Stay with it and watch your scores rise.

 

Did you OPT OUT ? Go over to the Medical Forum and follow Why Chat's program. Good chance on getting some of those medical collections deleted.

[mrmyz]

how did you go about those pay for deletes?

[ayapaq]

I OPT OUT for myself & spouse.

I challenged accuracy to get deletes.

[ayapaq]

just added Fuel Rewards Network MC for $3,000

[Art_Vandelay]

It's ONLY temporary my friend. When you dispute something and you go to get your report the company doesn't FACTOR in the dispute hence the jump in your FAKO. If it ends up in your favor then you'll REALLY have that jump if not your score will go back down.

 

But when applying they will see that a baddie is not being factored in because it's in DISPUTE and a LO will adjust per whatever policy they have.

 

About 5 years ago I disputed a couple of items and my TU jumped to 760 from 670 or so. I thought I could get any card I wanted. Shot down on everything I applied for that pulled TU and my score when back down when the disputes didn't come off.

 

But I guess with anything YMMV. So good Luck.

 

Expect the worse but be plesantly surprised when it turns out good. (As far as credit goes anyway, LOL)

[ayapaq]

It's ONLY temporary my friend. When you dispute something and you go to get your report the company doesn't FACTOR in the dispute hence the jump in your FAKO. If it ends up in your favor then you'll REALLY have that jump if not your score will go back down.

 

But when applying they will see that a baddie is not being factored in because it's in DISPUTE and a LO will adjust per whatever policy they have.

 

About 5 years ago I disputed a couple of items and my TU jumped to 760 from 670 or so. I thought I could get any card I wanted. Shot down on everything I applied for that pulled TU and my score when back down when the disputes didn't come off.

 

But I guess with anything YMMV. So good Luck.

 

Expect the worse but be plesantly surprised when it turns out good. (As far as credit goes anyway, LOL)

 

Yes, the results were 4 deletes