Last month I sent Equifax a dispute letter regarding my Home Depot account, which featured 13 lates. Home Depot sent me a letter stating that it was sending a request to the credit bureaus asking them to delete the account. TU has complied. Equifax continues to verify with different account balances. How do I get EQ to delete this information as well?
Thanks, DaBears. I sent the Home Depot letter in June with my dispute. I even spoke with an EQ. Rep who told me it was on file. She mentioned something about the way it was disputed. I used a sample dispute letter found in the forum section.
It may take just a little while for them to update. I suggest you don't dispute, it could cause it to stay longer.
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!
June 2017 update: All scores over 820, just pure gardening now.
File a complaint with the consumer financial protection bureau and the bbb. Add your documents with the complaint I just had the same problem with Equifax and it was deleted within the week. It works this way
DaBears, the GECRB account deletion is causing some issues with TU as well. I'm just wondering how long it takes for a score to change. Between two accounts, there were 23 late payments on my credit report.