If one Bureau delete Late payment, will others follow?
Im disputing (late payment) online thru experian, just wondering if they delete the late payment will EQ and TU also follow to delete the late payment or no??
Re: If one Bureau delete Late payment, will others follow?
I believe you must contact each bureau individually, they don't share info. That's why it's recommended to view all 3 reports. One bureau maybe reporting items that another bureau isn't. For example: I have one collection account showing with TransUnion but not with Experian or Equifax. After it's deleted, I would contact the other 2 bureaus asking for removal or ask the creditor who is removing the late payment to call the 3 bureaus to update their records.
Re: If one Bureau delete Late payment, will others follow?
Disputing lates could lead to a number of problems like the deletion of the TL (causing a change in util, history, and/or mix of credit) or if you had other non-reported lates, then the creditor could add lates.
Re: If one Bureau delete Late payment, will others follow?
shortstuff wrote: I must be really lucky then. I disputes a late payment with experian & about a month later it was removed from all the 3 CRA's.
When you dispute anything about a TL, the creditor reporting is notified. Looks like your creditor went ahead and requested it to be removed from the other two for you.
Re: If one Bureau delete Late payment, will others follow?
that is a tricky one because i was actually a victim of id theft and i sent my police report to EX and they in fact deleted the items in question as well as forwarded my info to the other 2 cra and they deleted the same exact items as well.
