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**countrifie** · April 6th, 2008, 12:55 PM

I'm not sure I understand what you mean. How can you dispute something if it is correct? I mean did you spend money on credit cards and then later just not pay or what do you mean?

**Meya** · April 6th, 2008, 04:58 PM

You don't dispute something if it is correct! Hummmm, I need an answer for this one unless it is deleting old addresses.

**LLAY1** · April 7th, 2008, 07:55 AM

EQUIFAX 715...UNBELIEVABLE!!!! WOW up from 605 to 715 in 8 months!!!!

**lyyssa01** · April 7th, 2008, 09:23 AM

Yeah, I tried to dispute something that was accurate and I got the run around. It's one paid collection on my report, and it's from a few year ago, so I figured I'd just wait for it to fall off.

**LLAY1** · April 7th, 2008, 05:34 PM

Here is proof. I kid you not!!!!

4/7/2008 715 Score Power report: Your score has gone up. More info
4/3/2008 659 Score Power report: Your score has gone up.
3/22/2008 651 Score Watch® alert: Your score has dropped. Yes More info
3/17/2008 653 Score Watch® alert: Your score is unchanged. Yes More info
3/13/2008 653 Score Power report: Your score is unchanged. More info
3/13/2008 653 Score Watch® alert: Your score has gone up. Yes More info
3/12/2008 649 Score Power report: Your score is 649. More info

**Meya** · April 7th, 2008, 07:42 PM

Way to go on the Score Jumping to 715. I guess I will purchase mines around September because that is when all of my inq's will be a little over a year old. Congrats and keep it comming!

**LLAY1** · April 8th, 2008, 09:21 AM

Transunion now 730 apparently i had been pulling FAKO all the while for this one telling me it was 670.

**Meya** · April 8th, 2008, 09:05 PM

As for me, I am trying to fiqure out why my FAKE scores took a 30 pt drop!

I called Chevron and told them to hurry up and put my account back on the cr's and to add my history back also. If this is what happened to me then I can't close any more accounts no time soon. Orchard is older than Chevron, good lord, I wonder what would happen when I drop that account? Well, I don't think it will really matter once I get my teir ones in place.

**LLAY1** · April 9th, 2008, 07:19 AM

Why did chevron remove all your history? if you closed the account then shouldnt it just appear as closed? Also do they report to all 3 bureaus?

**Meya** · April 9th, 2008, 08:29 AM

Acutally, what happend was GEMB is now Chevron's Financial Backer, the card is no longer financed through Chevron so all accounts are now saying "Closed (Transfered)" on our credit reports. So for the mean time it looks like we closed the card, but the transfer is showing next to it. Until they put GEMB Chevron on our credit reports, it looks like it is just closed.

They assured me that my history will follow on our credit report with the new GEMB Chevron. So I just sit back and wait until it happens, but here is the one thing, will the other old Chevron be there with closed status, or should I have it removed when they replace the new one?

**LLAY1** · April 14th, 2008, 08:33 AM

Seems GEMB is very good about reporting. I have it on all 3 reports already and the card isnt even a month old yet. My TU score from myfico is now 764 so i guess im now in the excellent credit catergory. Although, experian still has me at 660. Time to buy a house!!! I love this network...I'm glad i found it and have been addicted since. Thanks

**Meya** · April 14th, 2008, 08:39 AM

Let's all pray that there is no cure for it either. jfaohga9wgharwghajohv.....oops, soory, this is one of my Fg tweaks, my hands just start typing for no reason when I see new postings!

**dreamr802** · April 16th, 2008, 12:21 PM

That's awesome that you got your credit score to jump that much. At the beginning of next month I'm going to pull my credit scores and then see what I can do to make them better.

**hjm331** · April 16th, 2008, 02:30 PM

Dreamr, make sure you buy your scores from myfico.com. Those are the scores that most of credit lenders use today, 90% of them to be specific.

A lot of other websites offer their own scores which we refer to them as "FAKO" which are fake when compared to the FICO score. Here's the link to get you started.

You don't need to buy all three scores but it would be better. Also here's a discount code that will get you 25% off each score.

Promo code:7yrsale

You can put that in during checkout.

https://www.myfico.com/Store/BureauSelection.asp

**LLAY1** · April 18th, 2008, 09:34 AM

Actually, this is what i've found.

Experian.com/freecreditreport.com's Plus score is very close to my fico's score.
Transunion/Truecredit.com is 60 less than fico. Just add 60 to this and u have your actual fico.
Exquifax is Myfico...same stuff.

You can get a free trial for all three...equaling 3 free reports & scores (be sure to cancel though)