topic Re: Why EQ, WHY!?! in General Credit Topics

Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 19:43:22 GMT

Bear with me folks, as this is my first major setback. Had sent out some GW letters and checked TC to see if anythings had changed, and boy had it ever...

EQ has deleted 5, yes 5 of my oldest positive TL's. They made up some of the only positive credit history I had, and they are all gone. Just like that. My FAKO tanked 22 pts, I can only imagine what happened to my FICO's, but I'm not going to pull them because it's too expensive and i need that money to PFD some stuff.

I knew that I had been experiencing too much success, I knew that one of these days I would get the big smackdown, and ohhhh does it suck!

Anyone had this happen to them?

Re: Why EQ, WHY!?!

Junejer — Tue, 22 Jan 2008 19:47:09 GMT

@Anonymous wrote:
Bear with me folks, as this is my first major setback. Had sent out some GW letters and checked TC to see if anythings had changed, and boy had it ever...

EQ has deleted 5, yes 5 of my oldest positive TL's. They made up some of the only positive credit history I had, and they are all gone. Just like that. My FAKO tanked 22 pts, I can only imagine what happened to my FICO's, but I'm not going to pull them because it's too expensive and i need that money to PFD some stuff.

I knew that I had been experiencing too much success, I knew that one of these days I would get the big smackdown, and ohhhh does it suck!

Anyone had this happen to them?

Hippychic, you hadn't had a dispute on any of those TLs at all? I would be on the phone w/whomever services those accounts (eg. CSC) so fast that their heads would be swimming.

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 19:50:11 GMT

What do I say? They are close to 10 years old so can they be forced to put them back on? EQ was my highest score too. ARGH!

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 19:52:45 GMT

and no, i didn't dispute any of them, they were nice perfect paid accounts that were from before i got in financial trouble

Re: Why EQ, WHY!?!

Junejer — Tue, 22 Jan 2008 19:58:18 GMT

@Anonymous wrote:
and no, i didn't dispute any of them, they were nice perfect paid accounts that were from before i got in financial trouble

They haven't been closed for 10 years have they? I wouldn't speak to anyone less than a Supervisor. If not, I would be really nice and say that "I understand according to the FCRA that my accounts in good standing should stay in my file for up to 10 years, but suddenly you deleted five of my positive TLs. I have xx years of reporting left. Isn't there anything that you can do to assist me? I am attempting to purchase a home and this is a really big setback for me."

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 20:05:12 GMT

most of them were paid off in 98 or 99.

Re: Why EQ, WHY!?!

Junejer — Tue, 22 Jan 2008 20:19:31 GMT

@Anonymous wrote:
most of them were paid off in 98 or 99.

Seems like there are a couple years left to report. Sorry to hear that. The same thing happened to me with an MBNA account, closed in 2003. Mysteriously disappeared from all three. Hmmm.

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 22:14:18 GMT

So can they actually be put back on if I ask them to?

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 22:19:07 GMT

More than likely they will tell you to have the creditor rereport the good info. do you have reports showing the acocunts? They may just be able to verify with the creditor but I wouldn't hold out hope. The thing is good credit must stay on for a min of ten years which may givey you a leg to stand on.

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 22:23:04 GMT

yes, I have dozens, as i print every TC update as well as any other reports I pull.

So this is something I'd have to dispute by fax since I would likely need to send some kind of proof, right?

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 22:41:14 GMT

Since you have reports (and at least partial account numbers) - start with the OC and have them re-report. Also fax each CRA with the Creditors and Account numbers telling them that these were deleted early and to re-post (they have back-up databases to source from)

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 22:53:07 GMT

oh, you mean there's still hope?

i really need to keep those a little longer until my older baddies drop off. I will try it!!

Re: Why EQ, WHY!?!

haulingthescoreup — Tue, 22 Jan 2008 23:02:18 GMT

Something's up. I had a closed CC (2000 - 2002) vanish from EQ on the 18th. It's`still showing on TU, but then, TU doesn't seem to update anything these days. (It was never on EX.)

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 23:08:41 GMT

hmm, i didn't even get an alert from TC or anything, so I don't know PRECISELY when it happened, but it was between the 14th and today. i wonder if anyone else has had this happen? there are still a couple of good accounts on there, and a whole lot of bad ones, but it is sort of odd isn't it?

Re: Why EQ, WHY!?!

Junejer — Tue, 22 Jan 2008 23:47:01 GMT

Hippychic, I faxed over all of my old reports to the three CRAs, as MBNA is no longer.

Re: Why EQ, WHY!?!

Anonymous — Tue, 22 Jan 2008 23:50:44 GMT

let me know how it turns out, looks like i will do the same, hopefully tomorrow. want to look at my FACTA reports to see when they were due to drop so i can sound all edumacated...

Message Edited by orhippychic on 01-22-2008 03:50 PM

Re: Why EQ, WHY!?!

haulingthescoreup — Wed, 23 Jan 2008 00:01:38 GMT

BTW, I should note that I was pretty p.o.'d about this TL vanishing, even though there was one 30-day (of course) buried in there. But it was 6 1/2 years old, and how much damage could it be doing, right?

Well, yesterday, I found out: Scorewatch alert that my EQ had gone up 17 points. Nothing else had happened since the last pull, which was in early January, so there shouldn't have been any aging going on. So now I'm a bit less p.o.'d.

BTW, I don't think that most people would get this bump for a single 30 day that old. I'm guessing that it's because I'm in a score bucket of peers with long histories and few or no lates, and so my lates carry a lot more oomph than they would for others. Nevertheless, if there were any negatives on your vanished TL's, you might want to hold off a bit before protesting.

Re: Why EQ, WHY!?!

Anonymous — Wed, 23 Jan 2008 00:07:07 GMT

that's the really unfortunate thing about losing these, they were pristine!

it was back before i left my ex and i paid everything on time and had perfect history. if all of my good history falls off, i will then have 5 or so years of crappy history and then dead space, where I din't use credit. this is going to suck so bad. i'm really bummed about it.

Re: Why EQ, WHY!?!

haulingthescoreup — Wed, 23 Jan 2008 00:09:16 GMT

Good luck! keep working on it. I asked on another thread whether there was a legal requirement to update for 10 years, and apparently the answer was no. But losing 5 healthy TL's --that's ridiculous! Tear 'em up.

Re: Why EQ, WHY!?!

Anonymous — Wed, 23 Jan 2008 00:31:52 GMT

I will try. I must admit I feel a little defeated by this setback. If they don't get restored then it just means that my road to good credit will be that much longer. I'm trying so hard. I had a panic attack yesterday because my bank was closed and my cc payment was due to be deducted and wasn't. Turns out it was credited and everything was fine, but look at me!! I'm going crazy trying to bring these stupid numbers up and then things like this happen! I need to regroup and put my gameface back on...