Credit Cards Center Credit cards from our partners
Reply
Established Member
Posts: 16
Registered: ‎11-09-2012
0

Question about account status

[ Edited ]

So last week I signed up for annualcreditreport and noticed an odd past due Verizon bill showing up only through Experien. Called Verizon and was told the SSN on the account wasn't mine. I filled a dispute and also noticed a SSN filled under alternative that wasn't mine. I called Experien to have this removed since I couldn't on their website. The CS was nice and said she'd have that done for me. Fast forward to this week and I have now been denied access to my information on their site. I'm assuming my trial had run out. So I bite the bullet and pay for 3 bureau reporting on freecreditreport and see now that under account status it says "closed" but still showing a past due. Does this mean I'm done with the account and it will dissapear? 

 

One more question I had. How rare is it to see things only flagging on one report? The Verizon bill was only showing on Experian. Then I had a student loan I paid last January but just recently disputed is showing as past due on Transunion. Also there is a recent open collection that is only showing through Transunion. Is this normal?

Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
0

Re: Question about account status


jbimler wrote:

So last week I signed up for annualcreditreport and noticed an odd past due Verizon bill showing up only through Experien. Called Verizon and was told the SSN on the account wasn't mine. I filled a dispute and also noticed a SSN filled under alternative that wasn't mine. I called Experien to have this removed since I couldn't on their website. The CS was nice and said she'd have that done for me. Fast forward to this week and I have now been denied access to my information on their site. I'm assuming my trial had run out. So I bite the bullet and pay for 3 bureau reporting on freecreditreport and see now that under account status it says "closed" but still showing a past due. Does this mean I'm done with the account and it will dissapear? 

 

One more question I had. How rare is it to see things only flagging on one report? The Verizon bill was only showing on Experian. Then I had a student loan I paid last January but just recently disputed is showing as past due on Transunion. Also there is a recent open collection that is only showing through Transunion. Is this normal?


hello, the annualcreditreport is good for 30 days only. experian should remove the verizon account completely since it's not your account I would call back and have them remove it how can it be closed and showing past due if it was not your account from the get go Shame on experian. It is normal to see some accounts not report to all 3 credit bureau I have peoples gas that shows only on my transunion account. It does not report to experian or equifax.

Highlighted
Epic Contributor
Posts: 21,623
Registered: ‎03-19-2007
0

Re: Question about account status

Asserting it was not your account does not make it so, and deletion would only be compelled if either the creditor agreed or a dispute resulted in their lack of verification of the accuracy of the disputed information. 

 

You say you filed a dispute.  What was the finding in the Notice of Results of Reinvestigation?  I dont see that key issue presented in the post.

That will govern the issue of compelling CR deletion.

 

 

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.