Reply
Valued Member
Posts: 29
Registered: ‎05-05-2007
0

CRA reporting accurate and others deleating?

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?
Established Member
Posts: 57
Registered: ‎08-02-2007
0

Re: CRA reporting accurate and others deleating?

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.
Ch. 7 BK filed Oct. 2005 (old law)

EQ=698, TU=715, EX=who cares?
Established Contributor
Posts: 905
Registered: ‎05-09-2007
0

Re: CRA reporting accurate and others deleating?



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?


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
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: CRA reporting accurate and others deleating?

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. :smileywink:

 

Look into MOV. See my sig.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.