Disputed with TU only and they deleted everything! What should I do with Equifax and the other?

[lcrivers816]

So I disputed with transunion last year and they never got back to me after 30 days. I checked my credit karma account a few month later and it showed my credit jumped to 620 and everything bad was deleted!! What do I do now though? Should I dispute the others too? I'm just confused on the whole credit thing.

[loops77]

Read, read, read! Start with the Pinned topics.

[EternalDebtSlayer]

"What should I do with Equifax and the other?"

 

I can tell you what you should NOT do with Equifax and "the other". You should NOT expect the same results

 

 

How did you dispute with TU? Was it online? Did you ever log back in after 30 days to see the results?

 

How old were the accounts? Were they due to fall off perhaps?

 

Did you request hard copies of your reports yet?

 

If not, fill this out and send it in: https://www.consumer.ftc.gov/articles/pdf-0093-annual-report-request-form.pdf

 

While you wait for your reports, read read read!

 

http://creditboards.com/forums/index.php?showforum=15

 

edit: Oh, and don't dispute online

Edited April 1, 2014 by EternalDebtSlayer

[Jordan0542]

Check out PsychDoc's transcripts in the pinned thread with his name in it. It requires you to read, but should answer most of your questions in the 8 "seminars"

[Guest]

OP, treat each CRA as a separate entity.

 

They only share info with fraud alerts.

 

Sent from my SCH-I605 using Tapatalk

[lcrivers816]

I disputed over mail. I cant do another credit report (unless I pay) until December. It didnt fall off due to time because some of the items were not due to fall off until a 2015 and 2016. I was just thinking of have a professional handle the others. Is there any good services out there? Thanks Jordan I will look into that!

[chugs102]

I disputed over mail. I cant do another credit report (unless I pay) until December. It didnt fall off due to time because some of the items were not due to fall off until a 2015 and 2016. I was just thinking of have a professional handle the others. Is there any good services out there? Thanks Jordan I will look into that!

 

 

If you can't bother to do credit repair yourself, don't bother to do it at all. Professional services suck.

[SeriouslyGordz]

I disputed over mail. I cant do another credit report (unless I pay) until December. It didnt fall off due to time because some of the items were not due to fall off until a 2015 and 2016. I was just thinking of have a professional handle the others. Is there any good services out there? Thanks Jordan I will look into that!

Who is more professional than you? What they will do is take your money (which could be used to pay down debts) and without knowing the history, shoot off generic letters disputing everything.