Re: Questions about how FICO scores disputes[ Edited ]
01-08-2013 09:59 AM - edited 01-08-2013 10:02 AM
thanks! Yeah that is valuable information, exactly what I was getting at.
I half suspected the EQ FICO was *only* dependent on their own scoring, but I wasn't sure.
Las December I got an annual credit report from all 3 CRAs, and all 3 showed a few lates on my mortgage from last july, which was incorrect for a variety of reasons. I wasn't aware of the dispute process, and instead I called my mortgage company and they agreed the lates were erroneous, and said they removed them, which I took on face value and dropped it.
Then I applied for a refi this month and Wells Fargo said my credit scores were fine but I can't do a refi if there are any recent lates on any mortgage in my credit file. So I knew those lates weren't removed.
I went to the 3 CRA websites to dispute the lates from my annualcreditreport from December (I was still in the window to dispute) and I discovered Transunion had, in fact, deleted the lates- they had to, because my hard copy of the free report had those lates, but when I tried to dispute they were gone. Equifax and Experian had no change from December. I guess my mortgage company only reports to TU, but I thought there was some sort of sharing going on between the 3 CRAs were if one showed an activity, then they all should. Oh well.
thx again for the info.