Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 51
Registered: ‎02-27-2013
0

Experian Report Help

So i managed to get the late payments from my equifax and transunion report changed to an (X) or unknown. But experian refuses to change or remove the information. How come transunion and equifax removed the information, but experian actually verified the late payments in less than 48 hours?

Tier One; 760-850. Tier Two: 700-759. Tier Three: 660-699. Tier Four: 620-659. Tier Five: 580-619. Tier Six: 500-579.
New Contributor
Posts: 51
Registered: ‎02-27-2013
0

Re: Experian Report Help

i almost feel like experian just validates it because it saves them time. Without the extra work they can do other things. It's like they want you to go way out of YOUR way to prove to them it's wrong. I might have to make a plan and go for it. Any ideas?

Tier One; 760-850. Tier Two: 700-759. Tier Three: 660-699. Tier Four: 620-659. Tier Five: 580-619. Tier Six: 500-579.
Senior Contributor
Posts: 3,930
Registered: ‎10-26-2012
0

Re: Experian Report Help

All 3 CRA's use e-oscar which is an automated system that sends a 2 digits code to the furnisher. 99% of the time the system will verify information as being accurate. 

 

Community Leader, 

 

DaBears

New Contributor
Posts: 51
Registered: ‎02-27-2013
0

Re: Experian Report Help

Thank you

Tier One; 760-850. Tier Two: 700-759. Tier Three: 660-699. Tier Four: 620-659. Tier Five: 580-619. Tier Six: 500-579.
Regular Contributor
Posts: 222
Registered: ‎01-27-2008
0

Re: Experian Report Help

How would you get around them using eOscar and do an actual investigation?

New Contributor
Posts: 51
Registered: ‎02-27-2013
0

Re: Experian Report Help

i think that you might have to deal with the credit card issuer. Or sue the credit card company if you feel that strongly about the error on your report. Im going to keep reading up on a manual investigation and ill post here later.

Tier One; 760-850. Tier Two: 700-759. Tier Three: 660-699. Tier Four: 620-659. Tier Five: 580-619. Tier Six: 500-579.
New Contributor
Posts: 51
Registered: ‎02-27-2013
0

Re: Experian Report Help

Im just disputing again under " this is not my friggin account" that way maybe they will be like hummmmmm. Ill see what happens.

Tier One; 760-850. Tier Two: 700-759. Tier Three: 660-699. Tier Four: 620-659. Tier Five: 580-619. Tier Six: 500-579.
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Experian Report Help

Are they not accurate or is the account not yours?

 

If not, I would not dispute with the CRAs again and do a direct dispute with the CCC.

New Contributor
Posts: 51
Registered: ‎02-27-2013
0

Re: Experian Report Help

The accounts are not mine. The e Oscar came back as being my account. This is my second time disputing. So what the poster above me is saying is; I should take it up with the credit card issuer. Am I correct in taking the issue up with the original CCC issuer at this time?
Tier One; 760-850. Tier Two: 700-759. Tier Three: 660-699. Tier Four: 620-659. Tier Five: 580-619. Tier Six: 500-579.
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008
0

Re: Experian Report Help

 File an FTC Fraud Affidavit and police report http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf and send that to them.

 

Send the Affidavit along with the police report to the CRAs to have them block the TL from others seeing it.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.