11-10-2012 04:56 PM
I'm aware that they are an EQ partner. My concern is the information listed on the report they used to deny my application. I need to access that information. Has anyone obtained a report from them?
11-10-2012 05:25 PM
11-12-2012 01:44 PM
Hope this helps.
So according to that link:
CSC Credit Services is a separate company, not owned by Equifax, which owns credit files in the midwestern region of the country.
Similar to Equifax, CSC Credit Services owns credit files and they are reported through the Equifax credit reporting system. If your file is owned by CSC Credit Services, you should initiate your dispute activity directly with CSC Credit Services to correct errors on your file.
So this is why its confusing for me.
For example, Lets say I live in the Midwest and CSC "owns" my Credit File. And then I move outside of the Midwest where CSC Does NOT "own" my Credit file. Once I move, Will CSC no longer "own" my Credit File? Will now EQ own it?
What if I don't live in the Midwest where CSC does NOT "own" my Credit File, but I move to the Midwest where CSC "owns" Credit Files. Does my Credit File now belong to CSC and not EQ once I move?
This is soo confusing. Why does CSC have to be involved at all?? TU and EX aren't like this.
Does any one have experience with moving in/out of the Midwest and would like to share your experince?
11-12-2012 02:00 PM
I think its like CSC owns the files of people residing in those states and when they move they go back to the main company
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.