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Established Member
Posts: 10
Registered: ‎09-16-2012
0

Been awhile, the latest is Equifax hates me! Now what??

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.

Help!

Thanks!

 

Regular Contributor
Posts: 230
Registered: ‎09-22-2012
0

Re: Been awhile, the latest is Equifax hates me! Now what??

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. 


Starting Score: EQ 416 TU 498 EX 468 Lender Fico's July 2012
Current Score: EQ 548 (Myfico) TU 655 (Walmart) CK 672 EX?? CS 642
Goal Score: For now: 640s


Take the FICO Fitness Challenge
Moderator
Posts: 13,758
Registered: ‎04-15-2011
0

Re: Been awhile, the latest is Equifax hates me! Now what??

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.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: Been awhile, the latest is Equifax hates me! Now what??

fast way  you can do it. go to equifax and dispute online.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Regular Contributor
Posts: 123
Registered: ‎10-01-2012
0

Re: Been awhile, the latest is Equifax hates me! Now what??

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

Starting score (9-29-12)= myfico EQ-562, myfico TU-551, Exp.plus-550
Current score= EQ-732, TU-760, Exp-686
Goal score=775 across the board :smileyhappy:
Moderator
Posts: 13,758
Registered: ‎04-15-2011
0

Re: Been awhile, the latest is Equifax hates me! Now what??

What was the reason fort the disputes?  Was their reporting wrong?



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: Been awhile, the latest is Equifax hates me! Now what??

you know it better :smileyvery-happy:

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
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