I finally have absolutely nothing derogatory on my credit report. However, Equifax is showing a FICO score of 33 points less than the other CRA. When looking closly at all reports, the only difference is that Equifax shows "time since most recent late payment." as 4 months, as the other two CRA's show 59 mo. I know exactly what this is stems from. We were evacuated by the fires in California and our mail carrier was not allowed in the area for over 3 weeks. For whatever reason, we didn't get our Navy Fed statement and the payment was over looked causing a 30 day late. We have a good relationship with Navy and they immediately agreed to delete the 30 day. The next day, all reports came back up and 30 days were gone. However, Equifax didn't come up as much as I had lost. I had submitted an official dispute online to initially get this corrected. Online directly with Equifax it shows that the dispute that I submitted is still "under investigation." However, when I spent over 45 min on the phone with the dispute dept., a very unhelpful CSR insisted it was closed on their end and that there were no lates on my report. Clearly this is wrong since my 3 bureau report shows that last late payment was 4 months ago and then shows this open dispute. I was on hold for another hour trying to speak to a supervisor only to be disconnected. Go figure.
Can any of our credit experts help me out here. I have no idea have this fixed.
