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Thread: YES! Disputes, etc are working!

  1. #1
    God/dess
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    Default YES! Disputes, etc are working!

    I've finally been getting results from my credit reports. Name change is taking effect finally (TY to whoever told me about the drivers license photocopying thing!), corrections being made. One paid debt even came off entirely. My fake-o score went up to 586 from 575. Progress, I like it.

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    Banned i.breathe.in's Avatar
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    Default Re: YES! Disputes, etc are working!

    not to threadjack but do you know if theres any point to fixing mistakes on your credit score if you recently filed bankruptcy? or is it a mute point?

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    Banned Melonie's Avatar
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    Default Re: YES! Disputes, etc are working!

    ^^^ the 'clock' is going to run on credit report entries whether they are 'mistakes' or not. Therefore every bogus entry that gets removed does contribute in some small way to a higher credit rating. However, with a Chapter 13 bankruptcy in the works involving a 5 year repayment plan - PLUS another 39 months of credit report 'clock time' which won't begin to run until the Chapter 13 bankruptcy is finalized, odds are that fixing credit report 'mistakes' would be a moot point for the next 9 years.

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    Default Re: YES! Disputes, etc are working!

    It would be worth fixing somethings though, right? Like the taking off all the old addys things? And completely wrong info? It'll still look bad, but no tiime like the present to get the wrong-ness off.

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    Banned i.breathe.in's Avatar
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    Default Re: YES! Disputes, etc are working!

    true enough.

    and congrats rose that stuff has to be a pain in the ass.

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    Default Re: YES! Disputes, etc are working!

    Quote Originally Posted by i.breathe.in View Post
    true enough.

    and congrats rose that stuff has to be a pain in the ass.
    A huge one! I try to read the credit boards as much as possible. PB and AudreyLeigh are a huge help in the other credit threads as well.

  7. #7
    Peanut_Butter
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    Default Re: YES! Disputes, etc are working!

    for bankruptcy, it is definatly do able to dispute mistakes or wrong entries. But I don't know a lot about it...check the credit boards, they have a special bankruptcy forum that discusses it.

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    God/dess VenusGoddess's Avatar
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    Default Re: YES! Disputes, etc are working!

    ^ Yep...companies will misreport stuff all the time. I had a friend who filed Chpt. 7 who had creditors that were included in the BK saying that she was still late, not paying, etc when really, it was a moot point since she filed BK with them in it.

    So, definitely stay on top of your credit after BK...and correct anything that looks wrong or what not.

  9. #9
    AudreyLeigh
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    Default Re: YES! Disputes, etc are working!

    Ive had a LOT of stuff that was IIB deleted from my profile. Currently I only have a two IIBs hanging on and they were my two cars. The other stuff on my reports are 2 paid collections that Im trying to get off... one comes off at the end of this year so whatever but the other is irritating me.

    In the last month my scores went up to 648 on June 11 on EX (from 633 on May 17) and 664 on TU (from 645)... now I just need to sit back and let my new cc accounts age... patience is not my virtue. Also, my EQ dropped... have no clue why but it went from 642 to 636... who knows with EQ.... they hate me.


    I just found my old FICOs.

    On Sept 13, 2005 my scores were (this is the month before I filed Ch 7)

    TU 488
    EX 500
    EQ 472

    I wish I had pulled my Ficos just after the Ch7.... Ill bet my scores were very low 400s or worse...
    Last edited by AudreyLeigh; 06-13-2008 at 11:03 AM.

  10. #10
    Peanut_Butter
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    Default Re: YES! Disputes, etc are working!

    My disputes are workign as well. I just giot another letter from equifax, 3 more things were deleted.
    When I started, my fako's ( true credit) were 492, 501 and 504. Now they are 501, 513, and 586! The equifax score has gone up drasticially, because they have been the ones on the ball with this shit. Other CRA's arent going as fast as eq.

  11. #11
    AudreyLeigh
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    Default Re: YES! Disputes, etc are working!

    Put 0% merit into Fakos.... like I said - mine were 50-60 points off from my Ficos. They also do not follow the same rules of Ficos so something that makes Fakos drop may make your Fico go up or vice-verse.

  12. #12
    Peanut_Butter
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    Default Re: YES! Disputes, etc are working!

    ^ I know..but I use true crdit to monitor my ongoing progress, and because seeing progress is helpful, to know that what I'm doing is working..I wll only check my real fico's ones every 6 months or so...after some good progress has been made, ya know

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