topic Invesitgation Results - Remain - But It is Incorrect - What to do? in General Credit Topics

Invesitgation Results - Remain - But It is Incorrect - What to do?

Lawlover2 — Fri, 05 Oct 2007 19:26:07 GMT

I have a cc that I paid in full on August 18. This is after it charged off and I attempted numerous times for a PFD. However, they show it as a charge-off and write off and do not show that I paid the balance. Equifax shows correctly but TU and Exp do not. Exp sent my results today and they verified the debt but, it is incorrect. I paid this ($3800) in full. What should I do? Please help. I am so frustrated - it just isn't fair!

Re: Invesitgation Results - Remain - But It is Incorrect - What to do?

wrw0010 — Fri, 05 Oct 2007 19:33:56 GMT

Request MOV from Experian. I am convinced they don't even bother to check. They just wait 24 hours and send you a message that they have completed their investigation.

Re: Invesitgation Results - Remain - But It is Incorrect - What to do?

Lawlover2 — Fri, 05 Oct 2007 19:35:09 GMT

I am fairly new at this credit repair thing and don't know what an MOV is or where to request it?

thanks!

Re: Invesitgation Results - Remain - But It is Incorrect - What to do?

Anonymous — Fri, 05 Oct 2007 19:47:25 GMT

look for MOV this is freq.requested thread has a bunch of info.

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&thread.id=6834

Re: Invesitgation Results - Remain - But It is Incorrect - What to do?

Lawlover2 — Fri, 05 Oct 2007 19:49:29 GMT

One additional question . . . I have other charge-offs that I paid in full and they reflect Paid / Account Closed / Charged Off in the description / explanation line. This one doesn't! It just says Account Charged Off but then shows a $0.00. What do the CRA use for determining my score - if it isn't in the description is that a bad thing?