Monday, June 18, 2007

Experian Deletes Two Negative Listings

I received a letter from Experian giving me the results of my online disputes. They deleted 2 of the negative items. They deleted an old Citibank account that was showing as a charge off and deleted a collections account from Pro Collect. A result of this my Experian credit score went from 535 to 542. Credit scores are now as follows:

TransUnion 541, Experian 542, Equifax 544

I sent a debt validation e-mail to Paragon Way Collection agency on 2 accounts that are past the SOL (Statute of limitations). For now I will not proceed any further until I hear back from TransUnion and Equifax on the disputes so that I can see where to go from there. I also want to give the collection agencies that I sent e-mails to, a chance to validate the debt.

LifeLock Identity Theft Prevention

Thursday, June 14, 2007

NCO Deletes Negative Listing - 3 More Collection Agencies Get E-mails

Have not had much time lately to work on the credit repair situation, but I did receive a response in the form of a letter from NCO Group. They have removed the item from my credit reports, stating that while they are in compliance with the law, they would need more than the 30 days allowable to validate this account therefore they removed it from the credit reporting agencies. I checked my FICO scores and they are as follows now:

TransUnion 541; Experian 535; Equifax 544. There has been improvement.

Since I had success with this method already, I decided to try it with 3 more collection agencies. I sent a similar e-mail to West Asset Management, Premium Asset Recovery, and ProCollect Inc. Hopefully I will get similar results.

I have not heard anything on my disputes that I put in online with the credit reporting agencies. Equifax has posted comments that I am disputing the accounts, Experian and Transunion show no such comments. I was told the online dispute method doesn't work very well.

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Bankruptcies - Foreclosures - Errors - Repossessions - Collections - Tax Liens - Judgments - Late Payments Etc… All Deleted From Credit Report!! Credit Secrets