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Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009
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AU Account still NOT reporting with Equifax...can I do anything about this?

It's been a few weeks since the AU account was picked up by EX and TU. EQ still has not included this account...

 

I did send a fax to EQ asking them to report it, but no response. 

 

Any suggestions for getting EQ to report the account? Can I even do anything?

 

 


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


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Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?


daisyduke wrote:

It's been a few weeks since the AU account was picked up by EX and TU. EQ still has not included this account...

 

I did send a fax to EQ asking them to report it, but no response. 

 

Any suggestions for getting EQ to report the account? Can I even do anything?

 

 


EQ is slow about adding new accounts.  When I here creditors say it may take up to 90 days for CRAs to update its file, I think about EQ.  They are soooo slow.  

 

If the creditor has reported its not much you can do but wait for EQ to update its file.  

Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?

Thanks DI - I see they are on The Short bus...they keep changing my address back to my former address...i check EQ realtime daily..

 

we'll see how long it takes for the new nordstrom accoutn to report...

EX picked it up already. 


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


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Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?

TU and EX added 3 of my new accounts.  EQ none.
Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?

DI - just got an alert from goldwatch EQ (i spend way too much money on this stuff) - EQ did pick up the new nordstrom account. SW will be three days behind this...

Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?


daisyduke wrote:
DI - just got an alert from goldwatch EQ (i spend way too much money on this stuff) - EQ did pick up the new nordstrom account. SW will be three days behind this...

What are your credit goals?  What's the purpose for ordering SW?  

Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?

Hi DI - Generally, I want to clean up my credit and start to infiltrate good TL's to offset the bads, have two paid CO's with two CC's and negative dell late payments...my AAoA is about 7.5 years so I did the math, even with a few new cards and a loan, i'll still be at 6 years...I did an entire spreadsheet on t his to figure it out...for each report...

 

I need to get another car in December as well, but with my score right now, today, EQ is at 665 and TU Fico is 657, I am pretty convinced I will need to get a cosigner to get the best rate. Even though in December I will have two paid auto's never late showing, I just don't believe I am going to get the very best rate.. those are my short term goals.

Long term goal is to have above 720 credit score with no derogs. this could happen but it won't until 2014..........


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


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Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?

Ok.  You seem to have a plan.  You will get the 720 well before 2014.
Valued Contributor
daisyduke
Posts: 1,320
Registered: ‎04-18-2009
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Re: AU Account still NOT reporting with Equifax...can I do anything about this?

thanks for the encouragement DI. I appreciate it. When I started this repair in April my EQ fico was 548....now at 665, but a lot really has changed on my report to get that kind of increase....like toyota charged me off for last payment but i fixed that i got reported as paid, never late, closed. the dealer didn't pay off the entire balance of my loan! one bad TL dropped from a scum bank i did business with; no collections and paying everything down and on time helped..

 

 


Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU


Take the FICO Fitness Challenge
Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: AU Account still NOT reporting with Equifax...can I do anything about this?

[ Edited ]
In 2004 fresh from  REPO and numerous lates and CO's, I was sitting at EQ 544.    Fast forward 5 yrs later, and you see where my scores are now.  If I can do it any body can!!
Message Edited by DI on 09-22-2009 10:24 AM

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