@Anonymous wrote:
Recently applied for a VentureOne and got a denial. Thought that was weird as I have 2 other Cap1 cards in good standing and paid multiple times per month, never paying interest. Anyway, I got the letter from Cap1 in email stating their decision was based on Experian CR. I request a copy of that report, finally receive it and its all out of whack. Not only are there accounts that have been deleted from the other CRAs but they include a judgement that doesnt even belong to me. Currently in the dispute process but its frustrating. Cap1 wont reconsider even though my EQ and TU reports are much cleaner and scores are 60pts higher than the EX. I track with my Cap1 and CK fico/fako access.
I thought that if one CRA removes a tradeline they tell the others and they too remove those accounts? Anyone else have issue with Experian specifically?
Nope sorry the CRA don't "talk" to each other like that. if you have inaccurate information on your reports you have to dispute with each CRA you can't just assume because you disputed something with TU and had it removed that it is also removed from the others. the original creditor can have a tradeline removed from all 3 but TU can't tell EX to remove a tradeline.
I will say that from my experience EX likes to hold onto negative accounts more than the others (was the last one to get "clean") but this is a YMMV type of situation.
