turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
I have a baddie AU account showing on EQ and TU, not on EX. I just learned about it when I got the Scorewatch free trial today. DoFD is 4/06. Can I dispute the account as Not Mine? What are the odds of it coming off? It is showing as something that is hurting my score and I'd like it gone. It was never my account, I had asked to be added for credit building purposes and never had the card. Thanks in advance!
Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Ok, in EQ, it's not showing from a CA, it's reporting from OC. Balance is 0, current status listed as bad debt/collection. I believe this account is showing as the longest TL at 6 years. Will erasing it hurt my score and is it better gone in the long run. The score simulator does not let me simulate paying it off as it has no balance.
Part II is I haven't ordered my TU report, but I remember seeing this on my last TU from year and a half ago, before I realized I was an AU and way before I found this site. Can I call TU and dispute or do I need to order a current CR for them to take action.
Part II is I haven't ordered my TU report, but I remember seeing this on my last TU from year and a half ago, before I realized I was an AU and way before I found this site. Can I call TU and dispute or do I need to order a current CR for them to take action.
Well, I just launched an online dispute with EQ as Not Mine.
The link from TU says I need a current copy of my CR in order to dispute, so I guess I'll see how it goes with EQ first before purchasing the other. EQ said it may take 30-45 days, but I think I've read it sometimes happens much sooner, so let's hope it doesn't take so long.
Update: I haven't gotten an email from EQ nor has my SW alerted me (don't know if it will as I'm on free trial mode), but I went on EQ's site and checked status and the account has been deleted. Will it hurt my score as it drops AAoA, help as it gets rid of a bad, or neither as it was an older account with 0 balance showing? Should I await an update or buy another report? If I buy a report @ 30% off for SW subscribers, does that end my trial period and automatically start a subscription? Wow have I got questions now!!! Thanks in advance to all.
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
FOLLOW US 
SUBSCRIBE TO myFICO EMAIL 