topic Re: Update after call to EX...2 steps forward 10 steps back in Rebuilding Your Credit

2 steps forward 10 steps back

Jesedmotherof5 — Mon, 05 May 2008 14:13:04 GMT

I hate EQ and EQ hates me!

I paid the 65.00 for an 2006 over payment of my student loan to dept of ed, I figured at the time it was mine it was inexpensive and it was a goverment agancy the probalbly wouldnt delete it... So after I did I waited awhile for the report to update and it didnt and then I worte an "inaccurte information letter" hoping it wouldnt verify and it did... whihc was okay for EX because it is in the collections side of my report, TU hasnt updated yet but QE has slapped me with a recent LATE on accounts because it is listed in the revolving section. MInd you I have not been late on one single payment on anything in my credit report for over three years. IT DROPPED MY SCORE DOWN to 559.

54 Points was such a nice reward for paying my bills. Makes me not want to take the ethical stand point and let all the rest FALL off unless the PFD.

Anyway, I was wondering if it would be in my best intrest to try and call the CRA and see if it can be move over to the collections side and not the revolving side?

MY TU is still 649 but it hasnt updated

EX 679... I wisj EQ would join them I was getting so close!

Re: 2 steps forward 10 steps back

Anonymous — Mon, 05 May 2008 15:23:51 GMT

Jesedmotherof5 wrote:
I hate EQ and EQ hates me!
I paid the 65.00 for an 2006 over payment of my student loan to dept of ed, I figured at the time it was mine it was inexpensive and it was a goverment agancy the probalbly wouldnt delete it... So after I did I waited awhile for the report to update and it didnt and then I worte an "inaccurte information letter" hoping it wouldnt verify and it did... whihc was okay for EX because it is in the collections side of my report, TU hasnt updated yet but QE has slapped me with a recent LATE on accounts because it is listed in the revolving section. MInd you I have not been late on one single payment on anything in my credit report for over three years. IT DROPPED MY SCORE DOWN to 559.
54 Points was such a nice reward for paying my bills. Makes me not want to take the ethical stand point and let all the rest FALL off unless the PFD.
Anyway, I was wondering if it would be in my best intrest to try and call the CRA and see if it can be move over to the collections side and not the revolving side?
MY TU is still 649 but it hasnt updated
EX 679... I wisj EQ would join them I was getting so close!

I would dispute it as "wrong type" .... Can't remember the exact option, but I know TU has this option.

I'd explain it is reporting as a revolving account and it is installment account.

Re: 2 steps forward 10 steps back

Jesedmotherof5 — Mon, 05 May 2008 15:40:25 GMT

Thanks Sidewinder...do you think I can call that in.. Im just so upset about the whole situtaion that I dont want to wait and send letter ect. Ive been working hard and I xuxpect that with in the next week the rest of my updates will take place to lower my UTI.

Re: 2 steps forward 10 steps back

Anonymous — Mon, 05 May 2008 15:47:16 GMT

You can dispute over the phone......it isn't suggested.

You can also do it online and fax.

Do you have other disputes in progress?

Re: 2 steps forward 10 steps back

Jesedmotherof5 — Mon, 05 May 2008 16:14:18 GMT

I think with EQ with this update and an obselte (now off) thats it. I'll check my log. Im waiting for some Dv stuff before I do anymore disputing as some of this stuff was already verified through them, and I want to do a MOV but havent yet.

Re: 2 steps forward 10 steps back

Jesedmotherof5 — Mon, 05 May 2008 20:29:07 GMT

Just wanted to say I STILL hate EQ for making me feel this way... Okay got that off my chest... Im going to try to call this afternoon when my kiddos are down for a rest!

Re: Update after call to EX...2 steps forward 10 steps back

Jesedmotherof5 — Tue, 06 May 2008 22:11:50 GMT

okay i called they have it list as a collection on thier end and said that they shouldnt have 120 days lates attached since the date of last activity was in 2006 and should read as Collection account at that time she said likely they made a mistake in updating the report with my payment. She was really nice... sent a dispute to get it removed... here to hopping it works and I get my results and 50 points back

Re: Update after call to EX...2 steps forward 10 steps back

Jesedmotherof5 — Fri, 09 May 2008 21:24:21 GMT

hey just noticed this was deleted off of my TU report thats why that HUGE score bump as it was the newest collection. Maybe EQ and EX will follow!

Re: Update after call to EX...2 steps forward 10 steps back

Anonymous — Fri, 09 May 2008 23:39:20 GMT

Congrats!