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EQ reports 4 yr history on brand new acct

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Anonymous
Not applicable

EQ reports 4 yr history on brand new acct

EQ is reporting ~4 years of on time payments on a 1 month old acct Smiley Very Happy All info on it is correctly listed, including the open date and also the average age of accts but, for some reason...this. Should I be worried and dispute it or just back away slowly? usbankEXP.JPG

 

Message 1 of 6
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Anonymous
Not applicable

Re: EQ reports 4 yr history on brand new acct

bankerr

Message 2 of 6
Thomas_Thumb
Senior Contributor

Re: EQ reports 4 yr history on brand new acct


@Anonymous wrote:

EQ is reporting ~4 years of on time payments on a 1 month old acct Smiley Very Happy All info on it is correctly listed, including the open date and also the average age of accts but, for some reason...this. Should I be worried and dispute it or just back away slowly? 

 


No need to dispute - just monitor. It may self correct next reporting cycle (or not).

Have you checked Credit Karma to see how this account is being reported on TU and EQ? If not, I'd recommend taking a look.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 3 of 6
Anonymous
Not applicable

Re: EQ reports 4 yr history on brand new acct

CK doesn't show payment history for this acct. I'm sure it's a mistake, just hope EQ didn't count it in my score, otherwise next month(or whenever they correct it) might not be very fun Smiley Indifferent

Message 4 of 6
Revelate
Moderator Emeritus

Re: EQ reports 4 yr history on brand new acct


@Anonymous wrote:

CK doesn't show payment history for this acct. I'm sure it's a mistake, just hope EQ didn't count it in my score, otherwise next month(or whenever they correct it) might not be very fun Smiley Indifferent


Won't matter TBH, wouldn't worry about it as a result. 

 

Age metrics calculate off date open and that looks correct on the bureau and really payment history assuming you're not a thin file, is basically calculated as the presence negative information (or lack thereof) regardless of how much positive you have when we're just talking FICO scoring currently.

 

  




        
Message 5 of 6
the_jan_b
Established Contributor

Re: EQ reports 4 yr history on brand new acct


@Anonymous wrote:

bankerr


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