12-29-2012 07:11 PM - last edited on 12-29-2012 08:16 PM by llecs
Backdoor? What do you mean by that?
Unfortunately suggesting or advocating the backdooring of reports isn't allowed on these forums. You can still get free reports though via annualcreditreport, if you've been denied credit, faced adverse action like a rate increase or CLD, or if you think you might be a victim of ID theft. - llecs, myFICO moderator
01-18-2013 12:17 PM - edited 01-18-2013 12:18 PM
KD is key derogatory, but no a CA can't report that. They don't even have a code for it. The only way they can put that on there is to list themselves as a Factoring Company thereby giving themselves certain aspects as listing as an OC. Yes you can fight this, I have and won.
In reviewing my 3 reports (directly from each bureau), EX shows KD on 2 COs and 2CAs.
Since it's only this way on EX, is this EX's doing, or the creditors?
01-18-2013 02:43 PM
I filed a complaint with the BBB, FTC and State AG. They removed.
01-18-2013 02:48 PM - edited 01-18-2013 02:55 PM
Is there anything we can cite in our complaints to back up "CA can't have a KD in payment history"?
For reference if it matters...the KD on my collections are the first payment in payment history, then every month after that says "ND" or "OK" once it was paid.
01-18-2013 03:53 PM
Help me to understand too, Shogun. I have a couple of KD as well from CAs. What does the fight entail? Thank You
FYI -- I just initiated a dispute with EX and when I did so, it did NOT show the KD but instead showed a legend of "C" which their key definitions said is for "Collection".
Didn't finish the dispute.
01-18-2013 07:27 PM
Yes, that makes a difference. Mine had lates and phantom payments on it.
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.