Skip to main content

Credit Score Update

Last Month:


Transunion : 628

Experian : 652

Equifax :590



This Month:


Transunion : 643

Experian : 652

Equifax : 617


When I previously posted my credit score updates I would use the middle score. I am going to post all three from now on since there is such a difference between Equifax and the other two. I know I have one collection account still showing on Equifax that was removed from the other two a long time ago. So I believe that is the reason for the huge difference. I am working on getting that removed from my report. Hopefully if my method works and the collection gets removed my score with Equifax will rise.

Oh yeah, the collection is paid off. It was from Bellsouth. I disconnected my service with them at the end of my sophomore year in college and supposedly I still had a remaining balance. The rep told me my balance was zero and I moved right after so I never received a bill. Needless to say I didn't find out anything about it until it went to collections and was on my credit reports about a year and a half later. But of course by then the collection company who had bought the account wasn't trying to hear it. Punks! They scared the hell out of me with that whole we will take oyu to court so I paid the measly $52. UGH! Hate 'em!

I went to a seminar that gave me some good advice about fixing your credit. I contacted Bellsouth and explained my situation. The manager I spoke to was able to find some notes on my old account where it stated that the rep had quoted me a zero balance which was incorrect and that she tried to get back in touch with me but did not have any contact information for me other than my address that was on the account. So they mailed a letter to that address, the same address I moved out of the day after I called and canceled my phone service. After some transfering around I spoke to a gentleman who winded up sending me a letter that I could give to the credit reporting agencies and have them remove the collection account from my report. Transunion and Experian accepted the letter and removed the negative account. Equifax on the other hand claimed that Bellsouth was not the current creditor and therefore they would not accept the letter.

Are you serious you big donkey?!! Dorks!

So that brings us to the present. Dorks still won't remove the account. I am gonna attempt to talk to the "current creditors" and see if they will ok the removal. I never thought of that until someone suggested a week ago.

Wish me luck on that.

Comments

SavingDiva said…
Good luck getting that removed from your account. I don't really understand why they won't remove it...hm...

Popular posts from this blog

Home Purchase Plan - How I faired

Back in January I developed my Home Purchase Plan (HPP for short). I listed exactly what I was looking for in my new home including my needs and wants. I printed up my HPP and carried it will me everywhere. I especially took it with me when I went house hunting with my agent. I had a momentary relapse (I'll explain more on that on another post) but got back on track and stuck to my guns. I ended up with a beautiful house that fits all my needs and wants. HOME PURCHASE PLAN The home I want: Price: $0 -> $190,000 $180,000 Ideal Monthly Mortgage (including taxes, PMI, HOA, & hazard) : $1200 (max $1300) $1310 Location: Surrounding Orlando Area Check Bedrooms: 3+ 4 Bathrooms: 2+ 2 Square footage: 1700 s.f. + 1810 sf Year Built: 2000+ 1998 HOA: $100/month max $150/yr NEEDS: * A-rated school district Check * Quick access to major highways Check * Good daycare Check * Nice...

My $100 grocery budget and tips for saving on your grocery bill

I did a post back in October on how I kept my grocery budget under $120. In that post, I had pictures of the grocery shopping I had done earlier in the day for a total of $29.76. I also listed a number of ways I keep my grocery budget so low. Today I did some grocery shopping for meat and some other misc items. Here is what I bought: - 2 packages of chicken breasts - 2 packages of drumsticks - 2 whole hens - 2 packages of chicken wings - 1 bag of roma tomatoes - 1 bag of onions - 1 bag of organic baby carrots - 2 gallons of water (not shown) - 1 bottle of bbq sauce Total = $24.90 One big way to save on groceries each month is to package the food you buy into servings sizes. Your serving size depends on how many people are in your family. I separate out my sizes based on how much food my daughter and I consume in one meal. Take for instance drumsticks: My daughter will eat one drumstick while I will eat two. So I package those in threes. I know some folks are visual so here is wh...