03-18-2009 09:51 AM
Freecreditreport.com is not annualcreditreport.com. Freecreditreport.com is a product of Experian and they do not offer full access to your other two reports. They show a truncated version of it. Annualcreditreport.com was created by an act of Congress via FACTA (now part of the FCRA) which requires all three CRAs to provide a full copy (like what you see for EX) for free once a year. EX created Freecreditreport.com to try to capitalize on the annualcreditreport.com website. When you go to FCR, you actually have to pay to get access. Nothing free about it.
Just for fun:
What is the source for the report that says 1/1/01? Was it from a CRA? Third-party site? Was it on a CRA that is reporting the same CA now?
03-18-2009 09:57 AM
So I just called afni and asked for proof that the debt was even valid and they are saying that they have no paperwork from tmobile what so ever. They only have the dates in the computer. They also stated since it was paid in full that they can not nor do they have to remove it from my report and that I can no longer dispute it since it was paid. Is that correct?
03-18-2009 10:48 AM
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.