No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I disputed 3 items with Equifax:
Bank loan - disputed amount of late payments
Sears - reported one 30 day late with a wrong account number, disputed as wrong account number
AFNI - was reporting 120 Days late, disputed as current/paid
Results:
Bank Loan - verified as accurate
Sears - fell off report
AFNI - fell off report
FAKO Score increased 44 points!
Sears also fell off my TU account. I'm on the phone with Sears now requesting that they report to TU and EQ as they are my oldest account (13 years) with a perfect history. They said it should be updated in about a week or two.
New FAKO scores below. As you can see, TU and EQ are much lower than EX, I think it has to do with Sears not reporting.
llecs wrote:Shnapple, was AFNI a paid CA then you disputed it? I only have two major baddies left: AFNI and Verizon Wireless. Thinking about taking the plunge and offer a PFD.
Lady_Scarlet wrote:Keep on top of Sears and that re-posting. If the mortgage compny pulls another rpeort you could be in trouble without that account on it.
Shnapple wrote:
llecs wrote:Shnapple, was AFNI a paid CA then you disputed it? I only have two major baddies left: AFNI and Verizon Wireless. Thinking about taking the plunge and offer a PFD.Yea, I paid AFNI last year before I knew about PFDs. They were reporting on EQ different than the other two (120 days late vs closed/paid). So I disputed and it disappearead. I wouldn't swear that it's gone forever, but it's gone for now. Hopefully it will stay gone at least until I've got that mortgage.Why wouldn't you go for the PFD? I don't see any harm since they're already on your reports!