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Timothy wrote:If listed as a TL- a CA is not counted in scoring during a dispute.DD has several CAs listed as TLs. Are these CAs treated differently (than they would be in the "Collections" section) in scoring when not in dispute. One or two of these are shown in "Collections" on her EX report, (in addition to being shown as a TL)....are they figured in the scoring twice? Also the CAs listed as TLs are claiming "factoring company account" and type of loan as "installment", when it fact three of them are medical bills and one is trying to collect on a debt from a cell phone company?
going2tdc wrote:
Sidewineder, I misread your reply. So if a CA is reported under the account section, does that still apply? Are they still factored into your score during the dispute?
kidshelper wrote:
Timothy wrote:
If listed as a TL- a CA is not counted in scoring during a dispute.
DD has several CAs listed as TLs. Are these CAs treated differently (than they would be in the "Collections" section) in scoring when not in dispute. One or two of these are shown in "Collections" on her EX report, (in addition to being shown as a TL)....are they figured in the scoring twice? Also the CAs listed as TLs are claiming "factoring company account" and type of loan as "installment", when it fact three of them are medical bills and one is trying to collect on a debt from a cell phone company?
going2tdc wrote:
Sidewineder, I misread your reply. So if a CA is reported under the account section, does that still apply? Are they still factored into your score during the dispute?
Message Edited by kidshelper on 07-18-2008 02:13 AM
Timothy wrote:When listed as the TL -All FICO pays attention to is "Collection" and the dateIf the TL is is updated regularly- it will keep your score down.
kidshelper wrote:
Timothy wrote:If listed as a TL- a CA is not counted in scoring during a dispute.DD has several CAs listed as TLs. Are these CAs treated differently (than they would be in the "Collections" section) in scoring when not in dispute. One or two of these are shown in "Collections" on her EX report, (in addition to being shown as a TL)....are they figured in the scoring twice? Also the CAs listed as TLs are claiming "factoring company account" and type of loan as "installment", when it fact three of them are medical bills and one is trying to collect on a debt from a cell phone company?
going2tdc wrote:
Sidewineder, I misread your reply. So if a CA is reported under the account section, does that still apply? Are they still factored into your score during the dispute?
Message Edited by kidshelper on 07-18-2008 02:13 AM
kidshelper wrote:
And another thing they are CAs, three of which are medical. How can a CA show up in the TLs...is it because all four are using that "factoring account stuff"????
@Anonymous wrote:I don't like them trying to report CA's as a TL either-You can go after the CRA using the Factoring Co angle or use the HIPPA on the OC/Ca'sYou are not a business, and you can't factor accounts that are past due.I am not sure if the 120 past due marking is being ignored- as "Collection" is more serious
@Anonymous wrote:And another thing they are CAs, three of which are medical. How can a CA show up in the TLs...is it because all four are using that "factoring account stuff"????