My successes:)

[danelleo]

I am going to start a little journal about all my successes that I have along the credit repair road.

I just got my updated reports from truecredit.com and I had 2 out of my 4 collections fall off all three reports PLUS the two that are left fell off of Equifax, which means they are only reporting on Experian.

Prior to this I had only disputed with TransUnion and Equifax, never Experian, so obviously they are going to still be on there. I have to admit though, I have only disputed online so far and have gotten those collections knocked off. I figure if they don't delete these accounts I'll just keep disputing.

I am so excited that I am down to only 2 collections on my reports! That is so awesome!

Now at the same time I'm also working on my husbands reports. His are not as good. He has A LOT of accounts on his report and most of them are closed/paid as agreed. They were all small loans when he was younger that he was never late on. So that is nice, but he does have a few that are hurting him and I just got done doing 18 disputes between experian and equifax. So we will see where those get us!

[jjgross]

Originally Posted by danelleo

I am going to start a little journal about all my successes that I have along the credit repair road.

I just got my updated reports from truecredit.com and I had 2 out of my 4 collections fall off all three reports PLUS the two that are left fell off of Equifax, which means they are only reporting on Experian.

Prior to this I had only disputed with TransUnion and Equifax, never Experian, so obviously they are going to still be on there. I have to admit though, I have only disputed online so far and have gotten those collections knocked off. I figure if they don't delete these accounts I'll just keep disputing.

I am so excited that I am down to only 2 collections on my reports! That is so awesome!

Now at the same time I'm also working on my husbands reports. His are not as good. He has A LOT of accounts on his report and most of them are closed/paid as agreed. They were all small loans when he was younger that he was never late on. So that is nice, but he does have a few that are hurting him and I just got done doing 18 disputes between experian and equifax. So we will see where those get us!

good for you guys i did the same thing some will be tuff but they'll come off.keep posting then you can help other people to change their lives.

[danelleo]

When I first got interested in repairing my credit my score was 491, and now it is at 557 (yes through MyFico). So it can be done... I have only been at this for 2 months now, so it is possible to get it done. I'm hoping if I continue to dispute things that my scores will go up.

I do have a question, we have a car loan that is in both my husband and my name, will it show on my report eventually? It's only showing on his right now.

[danelleo]

Never mind I just noticed that it is only in my husbands name.

[danelleo]

Small victory, I got an email overnight, they deleted my husbands old employer and phone number!

[jjgross]

Originally Posted by danelleo

Small victory, I got an email overnight, they deleted my husbands old employer and phone number!

Any victory is a good victory

[improving]

Thank you for sharing your victories! That is great news.

I find truecredit to be very confusing and actually not accurate at all when it comes to scoring. (esp. if you are looking for Fico scores which most lenders - if not all will pull)

18 disputes? that is a lot - maybe you'll have some more luck. remember as suggested on this forum, sometimes it is best to dispute maybe 4 at a time as an FYI.

Let us know how it works out and the details. - esp. if you are disputing on-line, your comments in dispute and/or type of letters. I think that can all be helpful to others.

[danelleo]

Shoot! I totally forgot about the 4 disputes at a time!!! Dang it!!!! Maybe someone up above will look down on me and grace me with deleting some!

My scores that I all post are all from MyFico.... I don't listen to the other scores... I can understand truecredit pretty well, I've gotten myself pretty aquainted with it

[improving]

I'm sure you'll be fine. I have disputed much more at a time (not 18) in the past too. Maybe it'll increase your chances and you'll have more taken off - ya just never know - that is why we try!

Yeah, I can understand truecredit.com, but it doesn't help me much since I need FICO scores for the most part and the scoring with truecredit is completely different.

[danelleo]

I just hope my score keeps going up! I'd like to apply for a house mortgage soon!