Understanding FICO® Scoring

[chrissy122g]

I have disputed a number of things on my reports from all 3 CRA....I get the results back and most of it was deleted but things that were deleted by one agency was updated by another...how is this? Each one verify things that differently?

[TigersFan]

I'm betting that Experian is the one "verifying" bad information. Is that the case? That is my experience with them. What was verified by which CRA in your case? 

I have an old account that BOA tells me they are reporting as only as "Disch in BK" with no late payments. EQ and TU report it exactly that way. However, EX reports it as "Bankruptcy/Charge off" and shows the full history of late payments and they "verified" it without any changes upon my recent dispute. I have requested an account status letter from BOA and will dispute again at EX by mail, including a copy of the letter, when it comes.

[FICO_Focused]

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chrissy122g wrote:

I have disputed a number of things on my reports from all 3 CRA....I get the results back and most of it was deleted but things that were deleted by one agency was updated by another...how is this? Each one verify things that differently?

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Each has its own method of verification. and each CA / OC has its own method of communicating back. If the info is in fact inaccurate continue to press forward with MOV request to CRA that updated info.

Good luck.

Rob

[Noah_Bodie]

Call a face to face meeting with a rep from the CRA in question. To do so, draw a pentagram on the floor, slaughter a goat, BAM, rep from the CRA appears. Works every time.

Look into MOV. See my sig.