Score boosted up(+over 80) and Equifax not updating CC balance

[ponomo]

Hi~~!!

last month( first of July ), I had plan to buy a new car. I checked my score from myFico. my score was TU 667/EQ 680/EX 720. I had almost 85% util(all CC balance), no negatve and no late payment. I want a 0.9% APR from BMW finance(special offer). so I made a plan to boost up my score. I spend 21K for pay off my CC balance.  and finally my util is 2%..  85% to 2%

my creditor updates my balance at 31th every month. I checked my score at 5/Aug. My score amazingly boosted up(TU 756/ EX 800).  But EQ does not update my balance yet. I know EQ will update my Balance very soon. But I have to buy my car this Sunday for some reason. 

So I need you guys help. Does anybody kows Equifax Phone # to dispute my balance?

Thank you very much.  

Message Edited by ponomo on 08-08-2008 08:41 AM

[llecs]

Don't Dispute!!!!

The creditor might delete the account off your CR and your score could drop.

I have heard of talk in here of a "rapid rescore" service initiated I guess by the creditors or the CRA. You'd pay a small fee in exchange for the creditor and the CRA to update the correct balance.

Message Edited by llecs on 08-08-2008 01:54 PM

[fused]

I agree with Ilecs

[ponomo]

thank you for you guys advice. I will wait for update from EQ

Message Edited by ponomo on 08-08-2008 05:14 PM

[Anonymous]

Dependig on the creditor-

You may be able to call them and have them do a manual update-

I know Discover, BofA and Amex can do this.