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Trans Union and Equifax scores going up Experian going down

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    Trans Union and Equifax scores going up Experian going down

    I am having such trouble trying to get my score up on Experian. I have been working with all three CR and written letters and everything and it just doesnt seem to be doing any good with Experian. I have 3 charge off with Experian which I am trying to get removed. My score keeps going down with Experian. I was finally able to get a Hooters card approved however I cant seem to get any other credit. Neither me or my husband have gotten any applications in the mail accept for crap ones like First Premier, Aspen ext.
    Any advise? I really want to rebuild my credit.
    thanks, Maria

    Transunion
    659

    Equifax
    622

    Experian
    555
    Last edited by marializ; 05-01-2006, 04:33 PM.

    #2
    Hang in there! We are only now starting to get mail offers and our case discharged more than 6 months ago.

    With Experian, are they adding negative info? I had the hardest time with them-they'd fix one thing (such as updating to $0 balance) but then put on 3-4 months of "charged off" which I imagine made it look like it just charged off again, and again, and again. (Having a CO after the BK date even!)

    I stuck with it, and after about 3-4 tries they fixed 'em right. I wasn't the best organized, did some online disputing and some mail disputing. Mine were more hit & miss type things and I missed a few times before I got a hit.
    Discharged Chapter 7 09/05

    Post Bankruptcy Credit:
    Target $200 (12/05)
    Capital One $500 (12/05)
    Hooters Mastercard $2000 (04/06)

    Fico Scores: average of 646

    Comment


      #3
      Don't count on the mailings coming-ever!

      I have been discharged over a year and a half, and I have gotten TWO credit card offers in the mail in a year and a half.....
      BUSY running my own credit repair services! Sorry I don't stop in so often any more!

      Comment

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