I just called in and settled an account that’s been delinquent since 2009 for 50%. It’s just been updated on my CR with $0 balance and shows status as Paid – Less than full balance. I thought this would raise my score, however, my score dropped 30 points.
Â
Is this normal? Is this what I keep hearing about rebucketing?
Â
Any assistance would be appreciated.
I’ve been calling a few places to get a PFD over the phone for some old CA’s and am having no luck at all.Â
Â
The best they will offer is a “paid in full” status on my credit report, and some of them wont even take credit/debit cards over the phone!
Â
None have even offered a settlement amount.
Â
Whats going on here? Is this normal?
I just wanted to say hi and say that these forums ar great for people that need to rebuild there credit. I have gone from 517 TU to 613, 518 EQ to 629, and an Experian from other site 687 on one site and 663 from actual Experian site no sure why that much of difference if both have same info. I have a car loan from Membersource CU for 06 BMW and have had 5 30 days late got married last year and payed for everything myself and had drop in hours so was barely making it. I am up to date now actually saving money now. My question is TU reports the 5 late payments and EX and EQ dont they both show all payments on time 0 lates is this normal to see and can I call TU and see if they are willing to change the late payments to OK. I have called the CU and they said they cannot do this, as I have read other people doing this. Not sure what do at this point. Any help would be appreciated thank you.
Ok guys, I have another dilemma. I have two child support issues on my credit. The first is back child support which was awarded when we went to court, the second is my normal child support. My back child support has been completely paid off, but still shows as charge-off. And my normal child support reporting keeps showing CA all over and shows its charge-off but the support comes out directly from my check when I get my check, it has been since day 1. How can I get this rectified?
I applied for a student loan with Sallie Mae and they pulled my Transunion on 5/11/10 and then AGAIN on 5/16/10 even though I didn’t ask them to check it again…is this normal for Sallie Mae?
Â
I am going to call them and ask what’s up, but I don’t know why they felt the need to check my TU score twice in the span of 5 days.
I just pulled my credit and for some reason one of my Cap One accounts are in dispute…but I didn’t file any disputes. What’s the normal protocol here?
I just pulled my report and it is reporting already. I just started school. Is this normal procedure?
Last month I disputed a few items on my credit report. Within the last 2 days, 2 out of the 3 CRA’s completed the disputes. However, one of them did not delete 2 items, while the other one did. Is this normal? How is it that one CRA somehow verified it while another didn’t?? And if it’s off of one, what steps should I take now to get it off the one who’s keeping it there?
Â
Thanks in advance!!!! 
I have sent 2 PFD’s almost 2 weeks ago, is this normal not to hear anything back? I thought I might recieve SOMETHING regarding yay or nay about PFD from the CA but have yet to hear anything. Am I just being impatient or should I start sending out more letters? Your thoughts? Thanks!