Reply
New Contributor
Posts: 82
Registered: ‎03-31-2007
0

Wehn filing disputes, do you have to file it with all thr...

Wehn filing disputes, do you have to file it with all three bureaus separately? Or just with one of them? Also, I submitted an online dispute with Experian and they said they are not the ones responsible for investigating stuff, so they forwarded the dispute to CSC Credit Services. In this case, would the thirty days start from when I filed the online dispute, or from the date Expiran gave the dispute to CSC (they did not mention the date).
Frequent Contributor
Posts: 351
Registered: ‎04-02-2007
0

All three if...

If the account is listed on all 3 reports, you have to do 3 different disputes.  I had your problem with one CB who said that CSC is reponsible.  I'm not even going to bother with them though because the only thing wrong with that report is that my current loan isn't being reported - the creditor merely reported the loan when it was granted, almost a year ago, and haven't reported payment history since.  I'm dealing directly with the creditor over that issue and asking that they report to all three every month.  Not reporting is brutally killing that credit score for me.
 
As for your question about the 30 days, I don't know. 
New Contributor
Posts: 82
Registered: ‎03-31-2007
0

Thanks. I have another question. If the 30 days run out a...



HouseHunter wrote:
If the account is listed on all 3 reports, you have to do 3 different disputes. I had your problem with one CB who said that CSC is reponsible. I'm not even going to bother with them though because the only thing wrong with that report is that my current loan isn't being reported - the creditor merely reported the loan when it was granted, almost a year ago, and haven't reported payment history since. I'm dealing directly with the creditor over that issue and asking that they report to all three every month. Not reporting is brutally killing that credit score for me.
As for your question about the 30 days, I don't know.



Thanks. I have another question. If the 30 days run out and they did not finish investigating and i demand for them to delete it, and they do, could the creditor simply repost it?
Regular Contributor
Posts: 252
Registered: ‎03-16-2007
0

It's actually suppressed by the credit reporting agency,...

It's actually suppressed by the credit reporting agency, so in theory updates should not be re-posted to your credit report.
New Contributor
Posts: 82
Registered: ‎03-31-2007
0

Well, its been 9 days...21 more to go. haha

Well, its been 9 days...21 more to go. haha
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.

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.