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EQ Is All Messed Up

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MasonK
Frequent Contributor

EQ Is All Messed Up

I can see why no one tries to EE an Equifax record because their system defies logic. Thanks to @Anonymalous for cluing me in that EQ's perennial verification problems through AnnualCreditReport have been solved and I was able to get an EQ report from them for the first time in about 4 years!

 

So I'm in the home stretch with my last DQ payments and they're only on EQ at this point. 9 baddies falling off monthly until October. I pull the report and it says I have ZERO late payments, which I know is wrong because Credit Karma's report shows 8 remaining (1 fell off 2/6).

Screen Shot 2022-03-05 at 7.49.03 PM.png

 

But wait... there's more! If I go into the Dispute section, I can pull up the account there, too, and it shows 6 even though CK was showing 8.

Screen Shot 2022-03-05 at 7.49.37 PM.png

Screen Shot 2022-03-05 at 7.49.59 PM.png

 

CK updates tomorrow, so I'm interested in what it says, but I'm confused as to why the EQ report says ZERO late payments on the surface, but six late payments ONLY if you go into the dispute area. </grumble>

1/1/16 FICO8 Scores: EX: 407, EQ: 403, TU: 455
4/1/24 FICO8 Scores: EX: 832, EQ: 820, TU: 834
FICO9 EX: 818
Total Revolving Limits: $152,300

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