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Separate amounts

Member

Separate amounts

My credit report shows that I owe my university. But Equifax is reporting it at over 10,000 while Experian and Transunion are reporting it at 7 grand. What should I do and is there even anything that can be done?

Message 1 of 7
6 REPLIES 6
Moderator

Re: Separate amounts

Hi and welcome to the forums, @DoctorCat 

 

Which one is the correct one? 

Message 2 of 7
Member

Re: Separate amounts

So I have a few letters statements that say 10000 but I also have a letter when they intercepted my state income tax return that it was 5000. The original debt was 5000 but somehow i have seen the number 7000 and 10000. 

Message 3 of 7
Super Contributor

Re: Separate amounts

How much did they take from your state income tax return? That might account for the discrepancy and maybe it hasn’t been updated yet how long ago did that occur?
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. Highest from under 5%>48%, Accts: 1/21>10/21, $6,137. Dec 2020, (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 4 of 7
Member

Re: Separate amounts

Only about 100 dollars. After thinking about it more could the 10000 be including collection agency fees while my school is still on reporting 5000 because they aren't including the collection agency fees? Im trynna save up money to offer a good amount for a pay to delete letter. If the collection agency is asking 10000 after all the fees they added what should I offer? 

Message 5 of 7
Member

Re: Separate amounts

Sorry but then that still doesnt explain the 7000. Sorry im typing as I think. 

Message 6 of 7
Super Contributor

Re: Separate amounts

Just brainstorming. There’s probably others on here better qualified to recommend a percentage for PFD. I’m sure someone will chime in.
-Our Community’s updated scoring wisdom: Link to Scoring Primer.
-For Negative Reason Codes see: CassieCard’s Score Factors thread.
-ccquest’s workbook to calculate metrics for you: Link to Workbook.

Correct Ag.Util. under 5% all times. Highest from under 5%>48%, Accts: 1/21>10/21, $6,137. Dec 2020, (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.


RIP:
(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 7 of 7
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