Credit Card Center Advertiser Disclosure†
12-27-2012 06:19 PM
It's official, they hate me. I sent them a letter late September asking to please reinvestigate oh... 13 baddies. I also enclosed a copy of my report from TransUnion with my letter that showed where TU was not able to validate the accounts and therefore they were deleted from my file. Equifax came back and said basically, not deleting anything except for one account. The other 12 remain. That was actually my third letter to them asking to look into the accounts, etc.
I took a break pretty much after that. It just felt like it was too overwhelming and I just needed to let it go for awhile. I realize the 3 agencies don't communicate but dang, I sent them proof from TU they couldn't validate and deleted everything that was not verified so I don't know what on earth Equifax is doing. Tonight I pulled the letter from them out of my every growing file of credit reports and letters. This is what is left:
Consolidated Recovery, reported 10/2012; Assigned 9/2009 $ 1, 364 Medical, date of first delinquency 8/2009
Consolidated Recovery reported 10/12; Assigned 2/2009, $ 99 Medical, date of first delinquency 1/2009
Southeastern Financial Reported 10/12; Assigned 8/2007 $ 363 Medical, date of first delinquency 8/2006
Consolidated Recovery Reported 10/12; Assigned 11/2006 $ 69 Medical date of first delinquency 10/2006
Asset Resources Reported 10/12; Assigned 6/2007 $ 721 Utilities Protection one date of first delinquency 4/2007
Syndicated office systems Reported 10/12; Assigned 8/2011 $294.00, Medical, date of first delinquency 3/2011
Consolidated Recovery systems Reported 10/12; Assigned 2/2006 $156, Medical date of first delinquency 01/2006
Southeastern Financial Services Reported 10/12; Assigned 5/2009 $ 71 Medical, date of first delinquency 10/2008
Consolidated Recovery Systems reported 10/12; Assigned 8/2006 $ 246.00 Medical date of first deliquency 7/2006
Revenue Recovery reported 10/12; assigned 3/2011 $ 338, Medical date of first delinquency 3/2008
Consolidated Recovery systems reported 10/12; assigned 3/2009 $ 758, Medical date of first delinquency 2/2009
Consolidated Recovery systems reported 10/12; assigned 8/2006 $ 750 medical, date of first delinquency 7/2006
Consolidated Recovery reported 10/12; assigned 4/2008 $ 129, Medical date of first delinquency 3/2008
Those are the baddies left. Other than the student loan situation and I've got the US Dept of Edu looking into that reporting by Equifax. My student loan is in rehab, I had a total of 4 dispursements but Equifax has it listed as 9 seperate accounts! I sent a letter about that and they are researching that account for me.
Several of the medicals are from 2006, everything I listed TU took off. Equifax won't budge.
For the accounts from 2006 can I use the SOL on those? The others I can try PFD on the smaller balances and tackle larger ones after I knock out the small ones.
I know this is crazy long. Just at a stand still.
12-27-2012 09:19 PM
Adding that all up, you only owe about 5K. Six of the eleven accounts are at one agency. I would add up what you owe them, and call and offer a settlement of 50% of what you owe IF they will cease all reporting to the CRAs. Can you use a tax refund to pay them off? Then I would do the same of the rest. That really isn't such a bad report and everything is small balances. TU is often the easiest to get deleted, for some reason they don't seem to look into things as much. I have only 2 baddies on that report, and the others are far worse. EQ hates me too.
12-27-2012 10:15 PM
Equifax basically doesn't care what TU does or does not validate or have on your CR. It's apples and oranges. They don't communicate between each other.
12-27-2012 10:17 PM
fast way you can do it. go to equifax and dispute online.
12-28-2012 12:48 PM
Equifax hates me too! I have one paid collection from 2009 that has been reported by the collection agency to remove. EX and TU removed. EQ is just waiting. For what? I don't know. UGHHHHH
12-28-2012 02:05 PM
What was the reason fort the disputes? Was their reporting wrong?
12-28-2012 04:12 PM
you know it better
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.