Truly Frustrating......

[s_haliz]

Not sure if this belong to here or in any other forums. Admins/Mods. please move as you see, if necessary....

I have a mortagae on my house through a lender. It is since 2010. Never late or anything else and always on-time. Couple of months back, I saw that it is showing up as TWO accounts in EQ and EX. One being closed as of March 2014 and one being open up from April 2014. And the remark was acocunt was closed/trasferred. (The only thing happened was it was trasferred internally and loan number or terms of mortgage was not changed).  

So I had filed official dispute with lender explaining the same and ask to respond back in 30 days per law. They sent me a letter saying they had recived and they will respond.

To my surprise, today I got an alert from myFICO's 3 Beaureau score monitoring system that my EQ score was dropped 9 points!!!! The explanation was "Customer disputes the account"!!!!!!!!!!

Technically lender was supposed to inform the EQ and others that the closed account needs to be re-open and other account needs to be deleted. Now until I receive lender's official letter, it is going to be mystery as to what they had done and made my score down for no obvious reason(s). 

Had anyone experienced this kind of situation at all? What would you suggest next step(s)?

Thanks in advance.    

[Anonymous]

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@s_haliz wrote:

Had anyone experienced this kind of situation at all? What would you suggest next step(s)?

Thanks in advance.    

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Not really.

You could just twiddle your thumbs and wait until next month and see if it's fixed. Or call EQ/EX/TU and explain.

[s_haliz]

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@Anonymous wrote:

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@s_haliz wrote:

Had anyone experienced this kind of situation at all? What would you suggest next step(s)?

Thanks in advance.    

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Not really.

You could just twiddle your thumbs and wait until next month and see if it's fixed. Or call EQ/EX/TU and explain.

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How good EQ is in terms of calling and talking to rep.? This is pretty straight forward with same account number two places but EQ themselves won't do anything even if it is wrong for sure. They rely on lender and that's where it gets corrected and passed it over to EQ, EX, TU.....

[Anonymous]

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@s_haliz wrote:

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@Anonymous wrote:

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@s_haliz wrote:

Had anyone experienced this kind of situation at all? What would you suggest next step(s)?

Thanks in advance.    

---

Not really.

You could just twiddle your thumbs and wait until next month and see if it's fixed. Or call EQ/EX/TU and explain.

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How good EQ is in terms of calling and talking to rep.? This is pretty straight forward with same account number two places but EQ themselves won't do anything even if it is wrong for sure. They rely on lender and that's where it gets corrected and passed it over to EQ, EX, TU.....

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EQ was decent when i've had to call them. TU was a bit of a pain and took a while to update, EX was almost immediate and allow online dispute/corrections, never had to call em.

[s_haliz]

Thank you so much. I will try my luck talking with EQ. Thankfully I don't have to deal with TU as it is reporting properly. 

[cflowers0115]

Trained monkeys would be less frustrating than working with Equifax can be. 

[s_haliz]

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@cflowers0115 wrote:

Trained monkeys would be less frustrating than working with Equifax can be. 

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I thought the same way as well. Thankfully EX is widely pulled. Though some who pull EX does pull EQ too and that can have an impact.