BBS is my go-to guy for anything about CCT!
You ask a number of other questions. My comments are in blue below.
@junebug777 wrote:
I just pulled my information and I'm wondering how legit this site is. Can I use the results to help disputes? For example, I have an account that states
| Experian:Paid, was past due 60 days | Equifax: Pays account as agreed |
It also doesn't show anything under Transunion.
Why aren't barely any of the accounts listed under Transunion?
We'll be able to help you out better if you tell us what accounts are listed on EX, what accounts are on EQ, and what accounts are on TU. You mention that barely any of your accounts are listed on TU, which sounds like you are getting some data on TU, if not a lot
One way to do that might be give us something like this:
Accounts on all three bureaus:
Account X
Account Y
Account Z (etc.)
Accounts on EX and EQ but not TU
Account A
Account B
Account C etc.
If a charged off account is removed because of an "error" can the bank still come after me for the money afterwards?
Unsure what the quotes around the word error mean. But regardless, the answer is the same, which is that what appears or doesn't appear on your credit reports doesn't have anything to do with whether a creditor can come after you for a perceived debt. That latter issue is dealt with by the courts (not the credit bureaus). When a debt is old enough it may pass something called the statute of limitations, in which case you can point to that in court and win; but the SOL has nothing to do with credit reports.
Should I dispute? What reason should I use?
You should dispute things on your report that are both untrue and harmful. (Everyone once in a while something can be on your report that is untrue and helpful, but that is rare.) If the derogatory information is accurate, you should not dispute it. There are other strategies for mitigating the harmful effects of true derogs that hurt your score. The folks in the Rebuilding forum can tell you more about those. (So can BBS.)
