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Established Contributor
Posts: 568
Registered: ‎08-24-2012
0

What to do first?

Experian "updated" the information that I disputed. Ok, so I assume that means, verified somehow, though Equifax deleted.

Anyways, it is a Cox account that I do not believe is accurate, but I do not want to waste another 30 days on re-disputing it.

It's listed as I.C Systems on my Credit Report. 

I've gotten the contact information for them, but should I MOV, I've read you really don't get much information. Or should I contact Cox, though i've heard that they are horrible to deal with and won't help, OR, should I attempt to contact I. C Systems and PFD with them??

 

All of this MOV, PFD things make my head hurt!!!  

 

Thank you for your advice!!  :smileyvery-happy:

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor
Posts: 568
Registered: ‎08-24-2012
0

Re: What to do first?

:smileysad:  No advice?

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
Established Contributor
Posts: 510
Registered: ‎09-25-2009
0

Re: What to do first?

 I am not following.  Equifax deleted the item aready however Experian just updated the info that was disputed.  I would try and dispute again with Experian.  However it might take a whie with Experian.  I would call them about it.  I did this with TransUnion in regards to a payoff and they explained to me when it would be deleted.  Experian might be waiting to see if the creditor will dispute the information before they take it off.  That might be part of the issue.  Be persistant and patience.


Starting Score: 565
Current Experian Score: 634 (Lender pull)
Current Equifax Score: previous 668, 680 as of 11/12/13 lender pull
Current Transunion Score: previous 675,677 as of 09/23/13
Goal Score: 750

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Moderator
Posts: 13,754
Registered: ‎04-15-2011
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Re: What to do first?

Don't dispute anymore.  Have that dispute and any other thing that says dispute removed from your CR before you apply for your mortgage.  Trust me on this one.  You can start it back up after your mortgage but those disputes have to be gone for the mortgage to go through.



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!
Established Contributor
Posts: 568
Registered: ‎08-24-2012
0

Re: What to do first?

You are following, actually! :smileyvery-happy:

 

Equifax has indeed already deleted the account, within 10 days of me disputing.

 

Experian results simply stated Updated, and from what I can tell, on my previous report prior to the "updated" one, it had KD in April , then ND in May, June, July,then KD in August, and Sept.  NOW, the updated report shows only KD in Oct.

 

So, I figure they must have somehow,"verified" and I have no choice but to try to PFD.

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
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