Variations in reporting by CCC to same CRAs and spouses... CONFUSED

[ozgirl]

Hopefully someone can help explain this to me.

Why would a CCC or Mortgage company currently report the same account differently to the same CRA? For example WAMU does not show any late payment on my husbands report to Equifax but shows a 30 day late for the same account on my report. Both reports have been updated and are reporting so why does the 30 day not show up on his report?

This is not the first time I have seen this. We have other lates on other accounts that seem to show up on my report but not my spouses. These are not Authorized User situations.


Also, why/how does the same CCC report the same account differently to the various agencies? Just to confuse us and make clean up more cumbersome?

[Anonymous]

I wonder also.  My husband and I have the same accounts and the history is so different.  I have asked this question to Equifax before but have not got any response that I understand.  For example our truck loan with Wells Fargo is showing 3 30-day late back in 2003/2004 on my credit but showing 17 30-day on my husband.  Same account.  I brought this to the attention of Equifax who verified with Wells Fargo during this time I was 3 times late and my husband was 17 times late.  It makes me question how they verified it.  We have never been 17 times late on the vehicle, so I know this is an error the report but I have disputed this several times with Equifax and they always come back verified.   I have called Wells Fargo and apparently this is how they work it.  The note is due on the 25th - sometimes I paid it 10 days late but since it was due on the 25th it you pay it on the 1st of the next month they count that as 30 days late -  really in my head on 6 days late.   Ok so this is how they report -  then why was I only 3 times 30-days late and my husband 17 times 30-day late.

I felt like I was beating a dead horse and since it occurred in 2003/2004, I decided to just not worry with them anymore.  Besides when we apply for credit together at the bank or credit union, we point out the differences on our credit report (being that it is the same account) and our bank takes that into consideration and knows that something is not right.

I am sure it hurts my husband's score some but he is in the upper 600's.  Also, I am afraid that if I pursue this they may change my report from 3 3-days late to 17 30-days late, so I am going to let sleeping dogs lie on this account.

[ozgirl]

I have been operating on the assumption that it is better to leave this alone--however, I too am questioning the "verification" process. Perhaps CRAs are not following the rules and regulations with regards to verification. Isn't there some kind of penalty for this. And, what does this say about other accounts they verify--how can we trust the process?

Finally, I wonder if there is something more sinister working here. For example in our case there are a few late payments which I know are legit (a little old) but have somehow miraculously disappeared from my husband's report while remaining on mine as time goes on. I have been working hard at cleaning up my report--disputed items etc and have been pretty successful at getting things removed. I have not GW'd these legitimate late items yet. At the same time, we have not done as much work on my husband's report so the CRA's have not been "bothered" by him. Ironically, a number of the items I planned to GW on my report have been disappearing from his report with no effort or requests. This makes me reluctant to take any action for fear that these items will reappear on my husbands report if I start stirring the pot by asking forgiveness. Perhaps this is a way for the CCC to keep reporting negative information on at least one member of a couple and/ or discourage us asking for GW.

who knows?.....