Okay, since 03/2007, Experian (632) for some odd reason is not reporting 4 of my accounts. I had disputed some lates on WaMu and instead of just correcting like the other two bureaus did, they deleted the whole good active tradeline, including 3 others that I did not dispute.
And, Cap 1's charge off is making my uti really bad and they are very very slow to update, sometimes it's been 3 months. And there's the Judgment. I haven't disputed for fear of additional reporting glitches. Cap 1 has changed the reporting so much this past year that I dare not touch it. It is set to delete in Nov 08 and the other 2 reports say Feb 09 for deletion. Odd thing about the Cap 1, when I disputed the account, each time the deletion date changed. It kept moving up. Judgment stays till Feb 2010
Equifax reports all accounts and the Med Collection.
TransUnion reports all minus the Med Collection.
Only Experian reports the unpaid Cap 1 Judgment thankfully.
I have been thinking off and on about this Cap 1 thorn----
Has anyone had any luck about paying Cap 1 and getting the judgment removed? Any suggestions? Leave it? Fret some more?
Would paying Cap One reset the judgment reporting, anyone have any experience on this? I know paying them would fix the uti, but, I am just not confident in the CRA reporting rules.