Yay for me, big credit score boost!

That is great Mary! I need to work on that too! How did you start the process?

The main thing I did was to remove accounts that weren't mine. I was an authorized user on a few accounts that ended up charged off. I disputed them as "not mine" and they were removed! It was actually pretty easy. It was just 3 charged-off credit card accounts. I included a letter from the actual account holder that basically said that he takes responsibility for the charges. It worked!

~Mary :)

My other scores are still pretty low (538 and 512) but I am waiting for some disputes on those ones to finish up. I'll let you know how those go as well. :)

~Mary

How exciting! YAY! :)

Congratulations! I'm out of cake, but here's some Beef-a-roni! :) LOL

OOps..forgot to log in..,lol

That's great news!

Beef-a-roni is good too, lol!!

Thanks all :)

~Mary

Now as long as the other disputes go well, I should see a HUGE boost in ALL my scores. It seems like for me, EVERY account I have ever had posted to Transunion, some to Experian, and almost NONE to Equifax. It's weird how they decide who to report to. But it's working in my favor for now, so I won't complain :)

~Mary

Good work Mary!!! I have a dispute going right now with some 'not mines',will wait and see what they report. Thats great. Your score is now over 600!!! thats terrific!!! shirley

It was mostly because of you Shirley, I really don't think I would have disputed those accounts if it wasn't for you telling me that you had done it as well! So THANKS and *hugs*! :)

~Mary

Oh, and keep us updated on your "not mines" and let us know how they go! I have...umm....I think 11 accounts in dispute right now so I'll let you know how those go as well. Should be a huge boost to my other scores if/when they come off! (Have to have a positive attitude, right?)

~Mary

Shirley is the queen of disputes. I have followed her advice and gotten things deleted that shouldn't have been on there. Equifax went from 549 to 610 just disputing. Transunion went from 599 to 605 and never heard back from Experian. But with the new scale for the scores, we are still a low D but I guess thats better than an F.

I don't think that scale matters. I think they calculate the score differently so the actual number is different. a 610 FICO would be more like a 700-something with VantageScore. So don't let that new system fool you, you are doing great!!

~Mary

Yeah, the new one will take into account everything--utility bills, cell phones, rental history, etc. Which is a bonus because those are bills that if you pay them on time, could be a huge deal. :)

Sweet! I didn't know that :)

~Mary

I'm feeding off your fire here, and disputing some of this old old stuff..:) Six in total.

Found another duplicate on my CR too..Two diff. collection agencies, for one debt. Already verified it with one and made arrangements to pay, so #2 will have to go! :)

LOL, I just went through the same thing! NCO was trying to collect on the same debt from Mr. Doofus who should be fired for sending me other people's personal info. LOL! Busted :)

~Mary

Jessi, Did I understand your post right? They will consider on time payments from utilites, cell phone and etc?