Equifax is having computer glitches

[igdycsmG6]

Equifax monitoring sent me a alert of a change on my Experian report. It was a Capital One Auto loan. I pulled a Experian report directly, because the Capital one Auto Loan was not showing on my Experian report before. When I looked I did not see the added account. I called Equifax and told them there was no new account on my Experian report. She told me that they are having system issues and that the incident would be sent to technical. 6 hours later I recieved another Equifax monitoring alert that my Capital One Auto Loan account on my Equifax report had changed and not my Experian.

I looked and apparently my Capital One Auto Loan has matured and Cap One is now considering me 30 days late each month the remaining $2000 balance is not paid. I have not missed a payment in two years. I had a few deferments over two years ago and it has caught up with me. I called capital one and the they confirmed that December was the month that the loan matured and since my regular payment did not payoff the balance I am now 30 days late each month I don't payoff the 2000 balance. My regular payment is $460. I will call and try to have them make a adjustment since I haven't missed in two years, but if they don't all of the Fico points (80 approx)I gained over the last 6 months will be lost. I can't explain the frustration I feel.

Message Edited by igdycsmG6 on 02-05-2008 05:54 AM

[llecs]

Are these alerts via EQ's Credit Watch?

Find some way to get that balance to $0 ASAP. I'd call CapOne back and ask for some sort of agreement. If they agree to a new payment schedule, then maybe, technically, you won't be late any more and you'll have it paid off in a couple months. Meanwhile, try sending GWs in hope of getting the lates removed.........

[igdycsmG6]

Yes they are.

[064Runner]

I sure hope Equifax is having computer gliches. I just received a Scorewatch alert of a 49 point drop. Pulled my report and a mortgage I paid off in 2003 is now 30 days late for Jan.

[igdycsmG6]

I have a charge off that I settled in 10/2004. It was reflected that way on my report until recently. The account now has the original information and a new entry for January 2006. Apparantly the creditor updated the dormant paid file recently and now equifax has a entry for January 2006. Why january 2006?, who knows. I called the creditor and they are sending me documentation that says everything was done in 2004.