i've also noticed, that equifax has the easiest dispute process. if your deligent and keep deleting the same things enough times, they ususally remove it. i have only 3 negative accounts left on my report. the other 4 are good
please tell me if this strategy sounds like it will work;
i want to buy a house as soon i feel like my score cant really improve too much more. experian is really hard to get to even reply to a dispute but equifax is super easy! also transunion is pretty fair and usually removes on 2 or third dispute (their process is just a lot longer)
my plan is to raise transunion and equifax as high as possible and then that would create my median score. experian would be the lowest score, equifax the highest and trans would be my median. do lenders still look at a score like this?
please advise!!
to date:
equifax has deleted 3 judgments, a car loan, 3 credit cards and 18 inquries