Equifax Continues to Verify Debt

[DaBears]

It depends what else is on your credit reports. If the lates are old you might see a small bump. Filing a dispute through the CRA's along with a complaint to the CFPB might back fire on you. It can take up to 90 days for it to update. 

[simyengi]

I won't be disputing it anymore. The complaint will be the only activity on it. I need 46 points to get to 680, which is the score needed to secure my mortgage. I need to get there by October 1. That will allow my wife and I to pay down all credit card balances to less than 30%. They currently sit at 75% and above.

[DaBears]

How old was the GECRB Home Depot account? It could affect your AAoA which can cause you score to further drop If it was one of your older accounts.

[simyengi]

Actually, the GECRB account is simply updating six lates. The Home Depot account, which was closed, featured 13 lates.

[Shogun]

     What was the basis for the disputes?  Were the lates not correct?  Was there false reporting on their part?

[simyengi]

Inaccurate reporting. I have some notation from creditors stating they were submitting requests to update my credit files. The CRAs are taking their time.

[Shogun]

---

@simyengi wrote:
Inaccurate reporting. I have some notation from creditors stating they were submitting requests to update my credit files. The CRAs are taking their time.

---

No... really?  j/k.   Best of luck to you.  Keep on top of them.