TrueCredit Equifax FAKO not updating

[Anonymous]

Guys:

I've been batting my head at TrueCredit special services for the last couple weeks to no avail.

I've had several issues come up in the last 6 months including:

1) a hard pull on Equifax and Experian.

2. 6 + year medical collection showing up as new and off by one dollar. Finally got the incorrect new one as well as the old one deleted off of all 3 form my trouble (and me not suing them).

3. Deletion of 1 more derog off of all 3 reports.

4. Increase of CL on BofA account from 2-3K.

5. removal of derog Student Loan from Transunion.



My scores and dates as follows:


Date TU EX EQ

2/10/07 642 653 660
6/15/07 642 614 671
6/20/07 642 651 671
6/29/07 663 610 671
7/24/07 668 659 671
7/28/07 678 677 671
8/07/07 678 687 671
8/20/07 678 687 671

I can understand the TU and EX scores. I can't understand why with all the changes, god/bad that the EQ would not change at all in 60 days.


The information on the credit reports has changed in that time on all three reports. Anyone else seeing this type of behavior..

At this point I've had to argue that there seems to be a problem with their EQ scoring model. Any I just blowing smoke? I understand that there are alot of factors involved in scoring but this makes absolutely no sense.


Kevin

Message Edited by KevinB on 08-20-2007 05:50 PM

[Anonymous]

Anyone?

[Anonymous]

Are these your FAKOS or FICOS. If they are your FAKOS you may want to purchase your FICOS and you may see the difference there.

[Anonymous]

They are the truecredit FAKOS like the topic says. Its just the Equifax FAKO that is not updating...

My question is if anyone has seen the same behavior, i.e. over a long period with CR changes that should change the score, it doesn't...


I'll pull my real FICOS when I'm about to start applying for mortgages, but I want to see my trends in TC before I do that...and the fact that I'm paying money for something that is supposed to work but doesn't is pissing me off...


Kevin

[ronq]

I have TC and my EQ score with them is 659 where my FICO score is 695. This is my lowest FICO score but it is still 36 point higher than TC. The TC CR is accurate, but I've had them since last year and it only changes at the end of the month, but my score with them only seems to increase every 4-6 months. I don't understand it but I know most lenders pull my real score so I guess it doesn't matter.

[Anonymous]

Ok folks,

After two weeks of whining, pleading, begging, threatening, etc, I finally talked to the manager in "Special Handling".

I made my point, asked alot of questions and finally understand more about the FAKO scoring process. The guy went through a couple accounts and said it worked this way.

I did some more research and then pointed to one of my accounts that I had a promo thing on for a year no interest. I paid the promo balance off so I wouldn't get socked for $80 worth of interest and that brought the util down from 64% to 22% in July. He finally had to admit that there is a problem with the Equifax FAKO not updating.

I'm crossing my fingers

Kevin

[Anonymous]

This is good to know because my TC EQ scores have not changed unless I was disputing something and will all the deletes that I have gotten in the last two months, I expected my scores would really shoot up and they haven't.

Eve