Reply
Member
Posts: 9
Registered: ‎01-18-2013
0

HELP! should I dispute my repo???

I had a repo in 7/06... It has since fallen off my EX. It is still showing on EQ and TU. EQ shows an estimate fall off date of 7/13. Since its been eliminated from EX, should I leave it alone to avoid it having show back up on EX or dispute to try to eliminate of TU and EQ????
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: HELP! should I dispute my repo???

[ Edited ]

If it is a valid repo there is nothing to dispute.  Just because it came off EX earlier than the exclusion date, the other 2 can report the entire time.

Member
Posts: 9
Registered: ‎01-18-2013
0

Re: HELP! should I dispute my repo???

Should I GW the company? Or do I risk the chance of it showing back up on EX?
Moderator
Posts: 22,406
Registered: ‎01-17-2008
0

Re: HELP! should I dispute my repo???

I doubt it will come back but it isn't the company.  It is the CRAs reporting a valid account. 

 

I would just leave it alone, it will be gone in a few months.

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

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.