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I disputed three AU accounts that I was removed from. TU had them investigated and gone in a couple days. EQ removed them without even needing to dispute any of them.
But... EX? No chance. One of the three came off a couple days after the dispute. The other two are still there. If TU was able to resolve it, why can't EX? The creditor is obviously not the issue since they were removed for the other two bureaus. I wanted this stuff OFF before AMEX does its monthy account review. I have apped on 3 new cards that will be hitting, and I wanted the extra debt of the AU accounts off before that so they don't think I am going credit crazy.
Simple math. Three accounts gone. Three accounts replacing them. No real net account total. Less overall debt. Now there are two INQ's, no new accts, and two remaining disputed accts.
How will these disputed accts on EX play into the way AMEX sees my acct? I know disputed stuff does not go into FICO, so is it possible their monthly review will net out OK? I wonder if they just pull a score as a review, or if they manually review? I know they did a SP right after the first INQ. (might also have just been a coincidence with the timing of them looking like they do every month) There are two INQ's on EX. One went to TU. I am so not wanting them mad at me for any reason. Three new accounts could upset them, but I hope not, since my overall debt number is going down. UGH! I am getting paranoid for probably no reason.
Now I went and apped Walmart and got a Walmart Discover. That will hit TU though I think.. Hopefully I did not just stab myself in the foot with AMEX. I really wanted the FICOs.
The root of the problem may not be with EQ at all, but rather with the creditor.
If you disputed with any CRA, and the furnisher reported its deletion to that CRA based on their finding that the disputed information was either inaccurate of could not be verified, it was not sufficient for the furnisher to report those results only to the CRA through which the dispute was administered.
They were required under FCRA 623(b)(1)(D) to additionally report those results to each CRA to which the information was also reported.
Perhaps the creditor did not actually report deletion to all the CRAs. I would not conclude that the creditor was not the issue. They could very well be.
@RobertEG wrote:The root of the problem may not be with EQ at all, but rather with the creditor.
If you disputed with any CRA, and the furnisher reported its deletion to that CRA based on their finding that the disputed information was either inaccurate of could not be verified, it was not sufficient for the furnisher to report those results only to the CRA through which the dispute was administered.
They were required under FCRA 623(b)(1)(D) to additionally report those results to each CRA to which the information was also reported.
Perhaps the creditor did not actually report deletion to all the CRAs. I would not conclude that the creditor was not the issue. They could very well be.
We are talking about prime/big players here. The card that came right off was Citi. The two I am still waiting on are Chase and BofA. The only bureau NOT removing them quickly is EX. I would highly doubt the "big boys" would not disseminate the information to everyone, but I guess it is possible. I think they are just less efficient there, but that is pure speculation.