Tired of dealing with bureaus & waiting on score to improve
I’m trying to see if anyone out there can give me any tips or do I need to just mope and be patient. I had a 735 credit score, payments on time (my husband and I have mostly everything on autopay). I make 6 figures, have maybe 2 past due payments from when I was like 18 and broke. I had two fraudulent credit card accounts opened in my
Name for synchrony bank (one store in February and another store AGAIN in April UGH!) and have been fighting with the bureaus to remove them even reporting it to the consumer finance bureaus to no avail. I finally paid for the premium option for Equifax and transunion to get the dedicated “identity theft restoration specialist” who removed them within 5 minutes *rolls eyes*. Whatever. Still reported to my state’s attorney general idc if it’s Karen behavior it’s the principle! Anyway, in the course of all this my score has tanked and my experian is a 663, eq is 685 and trans is 683.
I only found out about the first fraud card because I was in the process of applying for an Amex card. I already have a business platinum for work. I was denied because of the two hard inquiries which tanked my score. Since then my husband has gotten a green card and added me as an authorized user (he is new to credit cards and would not budge on a gold or plat due to the fee 😂) again whatever! I guess my TL:DR is what else can I do to quickly get my score back up so I can re-apply and get the Amex I want so we can get these points?! Credit card aside I’ve worked really hard to get my score up and this is really upsetting to have all of this happen and it take so long to get rectified!