gfxmom wrote:
So, I am trying VERY hard to clear up/understand things on my CR. I've gone over myFico report with a fine tooth comb. I also pulled my 3 CR's today from freecreditreport.com. First, I look at my employment history. Both EX and TU are reporting employment correctly. EQ is only reporting my first job! I've been at my current job for over 7 years now. Next, there are a few collections on my CR. I know what most of them are from and am in the process of GWing the OC for removal. Then I get to the EQ report and there are 2 collections I have no idea what they are. EQ is also the only one reporting them but they don't provide ANY info on the CA. How the %#@$!@ am I supposed to figure out what these are if they can't even tell me what the CA is or any contact info? Oh, AND it's reporting one that hasn't even been paid? But yet with no contact info. I also LOVE how they report their payment history. If I missed a payment they sure do report that, but if all payments have been on time they report it as ND. Is there ANYTHING I can do about this? Sorry for the rant...it is just really discouraging when I'm trying to do all I can to fix my credit.
Did you mean freecreditreport or annualcreditreport? If you did mean freecreditreport, then order your EQ report for free from annualcreditreport.com or directly from EQ ($10 or so). You will find CA and OC contact info, and other info like a more detailed payment history and soft inquiries.
Ignore the employment history, IMO. I have never heard of any adverse action due to having incorrect employment info on one's CR. I bet $1 you have 0 inquiries on EQ. Typically when you app for credit, the creditor will place what you wrote on your app for employment to the CRAs. This is why you can see so many different variations to your CRs like employment history, former names, and addresses. IMO, the only thing to keep a close eye on is your DOB, current address, and your current name.
Again, order your EQ CR from EQ. If you really don't know who they are, then you can DV them. Fixing the "No Data" remark won't help any. The only fix is to get the CA removed.
