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EQ ISSUE

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Established Contributor

EQ ISSUE

Recently have experienced some declined with a letter stating no credit report found. Applied with Rocket Mortgage yesterday of course they do a triple pull. Unable to obtain my EQ report. Tired to pull it from myfico got an error regarding EQ. Called EQ they dont see any HPs after 11/23/19 none of my credit report is accurate. Has anyone experienced this issue recently. No I do not have freeze or lock on credit report checked EX and TU both are accurate and reporting correctly. Any feedback would be amazing. 

Message 1 of 10
9 REPLIES 9
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Super Contributor

Re: EQ ISSUE

When it come to EQ. Toss a coin and it wont land. They are a mess. Pull your annual report on them and see if that works. Call back and see if you have a mixed file. Someone with a name close to yours may be bleeding over onto your reports.

Message 2 of 10
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Valued Member

Problems with Equifax

Has anyone had problems with getting their score or pulling a report from Equifax? I tried for weeks to get a dispute comment removed and finally succeeded now the mortgage company can’t get a report or score from them?????
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Epic Contributor

Re: Problems with Equifax


@Marie8858 wrote:
Has anyone had problems with getting their score or pulling a report from Equifax? I tried for weeks to get a dispute comment removed and finally succeeded now the mortgage company can’t get a report or score from them?????

Yep, I had nothing but problems with EQ. Wasted many a phone calls.

Seems after Many escalations they finally resolved The problem for Me. What a PITA.

 

popcorn eating emoticon.gif

Message 4 of 10
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Valued Member

Re: EQ ISSUE

I am having the same issues. My mortgage loan officer is unable to pull mine either. so frustrating. I was able to pull it just fine on MuFICO on 11/8/19. 

Message 5 of 10
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Established Contributor

Re: EQ ISSUE


@Marie8858 wrote:

I am having the same issues. My mortgage loan officer is unable to pull mine either. so frustrating. I was able to pull it just fine on MuFICO on 11/8/19. 


Were able to get it resloved? What did they say to you? Can you PM me? 

Message 6 of 10
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Super Contributor

Re: EQ ISSUE

GL with EQ! PITA!
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Oct 2020 New Account Scorecard.Nov 2020, No New Account Scorecard (reassignment conflated with aging. EX9 not updated yet. Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 7 of 10
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New Visitor

Re: Problems with Equifax

same issue, called to have dispute comments removed at the beginning of last month. Now, me nor my lender can pull equifax. I get the same thing, mix match error on myfico, can't pull annual credit report, and can't pull trimerge from Experian. I realized this earlier last month and feared that my lender would have an issue. I called numerous times with no luck on getting equifax to acknowledge the issue. Please let me know if you find a fix for this. We are at a standstill on our mortgage because of equifax. 

Message 8 of 10
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New Visitor

Re: EQ ISSUE

Was this ever resolved for you? Looking for a fix for myself. 

Message 9 of 10
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New Member

Re: EQ ISSUE

I called last month to get dispute comments removed and all of a sudden, equifax not available to anyone, not me, not my mortgage lender, no where. I was told several times by equifax that nothing was wrong. Today after calling almost daily since around the 15th of Dec, I finally get a US rep who listened. I told her to have a tech team attempt to remove soft inquiries, after reading this in several forums. She placed me on hold, reached out to someone in the office of consumer affairs office and said that he agreed with what I was saying. He said that my file is large due to all of the soft inquiries. A ticket was opened to remove them, but can take 14-21 days. I hope its sooner, Equifax is holding our mortgage approval up. 

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