I pulled my credit from True Credit and found my Trans Union score to be 30 points higher than it was a couple weeks ago!

Following is the letter that I used to conduct an investigation of three items on my credit report that were listed as in collections from a collection agency so I really had no idea what the items were for, and apparently the collection agency did not either so they removed all three items resulting in an increase of 30 points in my score:

To Whom It May Concern:

I have been recently informed that there is inaccurate information in the credit file that Trans Union maintains under my social security number. Upon ordering my credit report, I see the following information that I am requesting an investigation on:

Genesis Financial for $50 – This is not my account.
Genesis Financial for $165 – This is not my account.
EAF LLC for $119 – This is not my account.
AR Concepts for $75 – This is not my account.

Please validate this information and provide me with any appropriate documentation associated with what is being reported bearing my signature. In the absence of any such documentation, I ask that this information be deleted from the file that you maintain under my social security number.

For your convenience, I have enclosed a copy of my identification.

Best regards,

Perseverance certainly pays off – I still have more work to do, but in 6 months, my Trans Union score has increased by 100 points just from writing letters, making calls and paying a few small things off.

I fell out of the loop for a short while and did not keep up with my letter writing for about a month, but yesterday, I decided to pick back up where I left off, and to my surprise, my scores went up with 2 of the bureaus! My Trans Union score went up a little over 50 points and my Equifax score went up a little over 60 points. That was pretty exciting for me and I was feeling like the grunt work I had been doing in the early part of this year actually showed some fruits.

Credit scores are hard to watch, because for 2 years, I had very little improvements even though I was working on and off on fixing my credit. I think what affected this improvement was a credit card that I had now for 2 years that I have never been late on … that could be it, but then again, who knows – credit scores are like a foreign language that only twins speak to each other in, so I just have to be happy with my improvement! (…and I am!)