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My Transunion went from 540 to 747 n 10 days. Working on the other 2

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Frankmon21
New Member

My Transunion went from 540 to 747 n 10 days. Working on the other 2

Credit Karma  screenshot to prove it.  Hoping to get the other two which are still in the low 500s.  TU removed ALL negative items (over 30 of them) all in one dispute. 

Message 1 of 8
7 REPLIES 7
Shooting-For-800
Senior Contributor

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2

I would not bank on CK scores...

Welcome.

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!



Message 2 of 8
Linnaea
Frequent Contributor

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2


@Frankmon21 wrote:

Credit Karma  screenshot to prove it.  Hoping to get the other two which are still in the low 500s.  TU removed ALL negative items (over 30 of them) all in one dispute. 


 What exactly did you dispute that you killed 30 birds with one stone?

Message 3 of 8
NoMoreE46
Community Leader
Senior Contributor

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2


@Linnaea wrote:

@Frankmon21 wrote:

Credit Karma  screenshot to prove it.  Hoping to get the other two which are still in the low 500s.  TU removed ALL negative items (over 30 of them) all in one dispute. 


 What exactly did you dispute that you killed 30 birds with one stone?



It will inevitably be a pay for Serivce type of solution....

 

 

Message 4 of 8
keekers
Established Contributor

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2


@NoMoreE46 wrote:

@Linnaea wrote:

@Frankmon21 wrote:

Credit Karma  screenshot to prove it.  Hoping to get the other two which are still in the low 500s.  TU removed ALL negative items (over 30 of them) all in one dispute. 


 What exactly did you dispute that you killed 30 birds with one stone?



It will inevitably be a pay for Serivce type of solution....

 

 


Exactly what I was thinking.



Message 5 of 8
Thomas_Thumb
Senior Contributor

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2

Unfortunately, items in dispute often come back to haunt. While in dispute, said items arenot allowed to be considered in credit scoring. However, once the dispute(s) are complete they will come back if not settled in your favor.

 

Pay for deletes are not a dispute process. Something this all encompassing would seem more likely related to identy theft or crossed file data with someone else having the same name.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 6 of 8
GreyvyTrain
New Contributor

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2


@Shooting-For-800 wrote:

I would not bank on CK scores...

Welcome.


My thoughts.  My wife got excited when she checked CK for herself after seeing how I've been working on my credit, and her CK scores were right under my myFICO scores.  Checked with each of the 3Bs on their direct sites, and easily 100-120 points under what CK was claiming.  Biggest difference I've seen.



Closing before next AF:
FICO SCORE 8 (5/3/24)




3 Paid COs until 2026, 1% UTI - AZEO
Message 7 of 8
Friendlyfranknbeans
Established Member

Re: My Transunion went from 540 to 747 n 10 days. Working on the other 2

Good luck! I got an EE on a few items through TU but EQ said no. 

im still waiting for EX but I don't have high hopes. 


congrats on the massive clean up! 

 

Message 8 of 8
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