I have written in the past about my defaulted student loan TLs disappearing completely after three months of rehabbing and wondering if they are going to magically reappear in the future. I have also written about inquiries not showing up when I know they should. And I've written about myFICO not being able to pull my EX report. Well...a few weeks ago, I sent a PFD letter to NCO for my fiance for a $225 medical bill. We were offering to pay it in full for a delete. I haven't heard from them yet. Today I updated his report and found that it was deleted from his EX report, when it was most definitely there yesterday.
And right now, EX and EQ are reporting exactly the same items except the NCO collection is still on EQ and their scores are about 80 points different with EQ being the higher one. Obviously, I'm hoping to see that collection disappear from his other two CRs too, but I'm also equally expecting it to reappear on EX. And I just can't understand how his EQ score is so much higher than EX.
Anyone else feel like some of this is completely random? Again, I'm not going to complain too much, because so far the randomness has worked in our favor, but there is part of me that hates the uncertainty of it all when we're trying to prepare for applying for a mortgage.
