🚀 CASE REVIEW – ROUND #9 RESULTS!

Chrissa Mae Tumlos

Oct 16 • 💳 Share Your Credit Wins 🏦

Overall Deletion Rate: 77%

Credit Score Improvements

Equifax (EQ): 689 (+71 points)

TransUnion (TU): 660 (+32 points)

Experian (EX): 651 (+16 points)

✨ Round 9 Results:

Total Items Removed: 11

Total Charge-Off Amount Deleted: 💰 $9,151.00

✅ Collections/Charge-Offs Removed: 5

✅ Collections Removed: 3

✅ Late Payments Updated to Positive (“Paid as Agreed”): 1

✅ Personal Information Cleaned/Updated: 2

💡: The dispute process involves carefully reviewing your credit report to identify any inaccurate, outdated, or unverifiable information, such as fraudulent collection or charge-off accounts, incorrect personal details, or late payment entries that should reflect a positive payment history. Once these discrepancies are identified, formal dispute letters are submitted to each credit bureau—Experian, Equifax, and TransUnion—requesting a full investigation under the Fair Credit Reporting Act (FCRA).

The bureaus are then required to verify the accuracy of each account with the original creditor or data furnisher. If they fail to provide proper documentation or proof of validity within the legal time frame, the disputed items must be corrected or deleted from the report. Additionally, accounts that were previously reported as late but have since been paid or settled can be updated to “Paid as Agreed” to accurately reflect responsible payment behavior. Through this process, consumers can restore the accuracy of their credit reports and improve their overall credit standing.

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