Reply
New Contributor
Posts: 68
Registered: ‎09-17-2012
0

Experian does not delete

I challenged a collection account. It was a bogus account I am not responsible for. TU and EQ deleted them item but experian verified it? I didn't get a letter from the collection agency after verification. I tried to dispute again but ex would not let me. I made a statement it was unauthorized charges. Anyone know why ex is like this? Did they really validate the debt?
Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Experian does not delete

I've had the same experience with EX.  They seem to validate everything.   Send the dispute by mail, you will need documentation to support your dispute.


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!
Regular Contributor
Posts: 118
Registered: ‎07-22-2012
0

Re: Experian does not delete

Samer experience with EX as well.

 

After I mailed the supporting documentation 4 times, they deleted.

 

Prior to that - was coming back as "verified" when they other other CRAs had already deleted.

February 2012: 480 across the board (before I found this site and started working on my scores)
-------------------------------------------------------------------------------
Starting Scores: TU FAKO: 543 (06/16/2012) EX FAKO: 547 (06/16/2012) EQ FAKO: 528 (06/16/2012)
Current Scores:TU FICO: 639 (11/20/2012) EQ FICO: 617 (11/20/2012)
TU FAKO: 606 (8/30/2012) EX FAKO: 574 (09/04/2012) EQ FAKO: 564 (09/30/2012)
Contributor
Posts: 230
Registered: ‎10-01-2012
0

Re: Experian does not delete

[ Edited ]

I thought it was the rule that if one CRA deleted then they all had to?  I thought they shared the information?  I'm sure I read that somewhere - may not be right though, just wondering.

 

How do they validate if the CA doesn't respond?

 

 

Edit;  Just read my answer in another thread - apparently the CRAs don't do that with each other, but its up to you or the CA to inform them of the determination.

Moderator
Posts: 12,952
Registered: ‎04-15-2011
0

Re: Experian does not delete

One CRA doesn't care what the other CRAs delete or don't delete.  They don't communicate with 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!

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 based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.