10-08-2012 10:28 AM
If you need it removed for mortgage reasons, or whatever reason. You can contact the creditor and have it removed, or contact the CRA.
10-08-2012 01:23 PM
Disputes made through a CRA are resolved by the CRA, not the furnisher of the information.
The OC responds back to the CRA, but is not the party responsible for sending the Notice of Results of Reinvestigation, which is the document that closes a dispute.
I would send a dispute to the CRA for inaccuracy of information in your file/credit report. It is their obligation to timely update their own resolution of a dispute.
It's a clerical thing that they obviously dont put much stock in completing, but it has drastic effect on the consumer.
10-08-2012 01:39 PM
Also, check out this thread with some useful tips. http://ficoforums.myfico.com/t5/Mortgage-Loans/Bes
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO