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Valued Member
Posts: 31
Registered: ‎02-23-2013
0

No equifax report number, dispute woes

I have a fico of a 626.  equifax is reporting I have a Credit One bank card which has no history of it's a $250 line of credit. I closed it the day it opened because it was useless to me. equifax says I have cards with too low line of credit, i assume this Ian what it references.  I bought equifax report online, and when I to file an online dispute, it failed saying it could "not honor my request with th. Information I provided." Which was identical to the information on my report.  I called equifax and they told me I may need to mail my report and dispute. They asked for the report number which is not present anywhere on my report. the agent had me on hold a few reser and in the end resent my report to my email.  This new report, contained no report number.

 

essentailly, I don't know what to do, how I can dispute it.

MYFICO Quarterly: 2/13-626, 5/13-621, 8/13-647, 11/13-721
Goal=
garden to 06/14, more garden until 7-15
Moderator
Posts: 13,892
Registered: ‎04-15-2011
0

Re: No equifax report number, dispute woes

Don't dispute it.  It's just sitting there adding to your AAoA.  It's not a negative account.  That advice you received about the low limits is a FAKO thing.  If you were to remove that account, if it has any age on it adding to your AAoA, you would actually see a drop in score.

 

FICO scores a $100 CL the same as a $10K CL.  It's the util that would matter and since this would have a $0 balance, it would not come into play.

 

So, leave the account alone!  :smileyhappy:

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+
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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!
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