topic Re: Experian credit score disappeared a month ago, other two still normal in General Credit Topics

Experian credit score disappeared a month ago, other two still normal

Anonymous — Tue, 22 Dec 2009 00:00:35 GMT

So about a month ago my experian score mysteriously disappeared, when I called they said they have my report and everything is fine, I tried to explain that I ordered my score thru thier website and a score wasnt available for my report. I can get to my report and see everything when I go onto thier online dispute website. Anyone ever have this problem? I was using freecreditreport.com to check it but as of a month ago all my information disappeared except for my name, my address, and one inquire. And my date of birth is now zero, All my collections are gone which I wouldnt mine but also all my perfect tradelines for the past 2 years.

I have sent a letter, about to send the second, numerous phone calls but it seems that they are oblivious to the problem, they keep saying they put in a work order to technical support, now there are three work orders I'm guessing. Any help resolving this issue would be appreciated.

Re: Experian credit score disappeared a month ago, other two still normal

llecs — Tue, 22 Dec 2009 03:48:54 GMT

I've used FCR (nothing free about it). First off, their score isn't a FICO score and I don't put too much faith into FCR's scoring system. Do you have a fraud alert on EX? Have you disputed a bunch of stuff recently?

Re: Experian credit score disappeared a month ago, other two still normal

Anonymous — Tue, 22 Dec 2009 09:04:27 GMT

I disputed, sent GW letters, everything that people said to do on the forum but that was 6 months ago when I was trying to get a mortage. Got some deletions but that dropped my scores about an average of 40 points and put me below the 620 score that I needed for a va mortage, so now they are back to where they were before even alittle higher and hopefully they will keep going up and up.

The only thing I liked about FCR was that I could check my score daily and I have read that sometimes that can cause a split file but they also said that was a common problem on equifax not experian, so I'm just alittle confused.

This is off the topic but if anyone knows A) when a credit card hits the 6 month mark should that bump my score up a bit and B) I have a couple student loans that are defferred right now but will be coming out of defferment in a couple months, will they hurt or help my score? I'm still trying to get a VA loan and was wondering if I should do it before or after these things happen.