🚀 CASE REVIEW – ROUND #3 RESULTS!

Chrissa Mae Tumlos

Nov 5 • 💳 Share Your Credit Wins 🏦

Overall Deletion Rate:47.5%

Credit Score Improvements

EQ - Score 562(+30)

TU - Score 575(+1)

EX - Score 576(+16)

✨ Round 4 Results:

Total Items Removed:19

Total Charge-Off Amount Deleted:$28,263

✅ Collection Removed: 14

✅ Charge-Offs Removed: 3

✅ Personal Information Cleaned/Updated:2

💡: The dispute process involves a thorough review of your credit report to identify any inaccurate, outdated, or unverifiable information—particularly related to collection accounts, charge-offs, or incorrect personal details. Formal dispute letters are submitted to Experian, Equifax, and TransUnion in accordance with the Fair Credit Reporting Act (FCRA). These bureaus are required to verify each disputed account directly with the original creditor or collection agency. If they cannot provide proper verification within the legal timeframe, the inaccurate or unverified items must be corrected or deleted from your report. Additionally, any paid or settled collection or charge-off accounts can be updated to reflect an accurate status, such as “Paid in Full” or “Settled,” ensuring your credit profile is both fair and current.

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