Why EQ, WHY!?!

[Anonymous]

Bear with me folks, as this is my first major setback. Had sent out some GW letters and checked TC to see if anythings had changed, and boy had it ever...

EQ has deleted 5, yes 5 of my oldest positive TL's. They made up some of the only positive credit history I had, and they are all gone. Just like that. My FAKO tanked 22 pts, I can only imagine what happened to my FICO's, but I'm not going to pull them because it's too expensive and i need that money to PFD some stuff.

I knew that I had been experiencing too much success, I knew that one of these days I would get the big smackdown, and ohhhh does it suck!

Anyone had this happen to them?

[Junejer]

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@Anonymous wrote:

Bear with me folks, as this is my first major setback. Had sent out some GW letters and checked TC to see if anythings had changed, and boy had it ever...

EQ has deleted 5, yes 5 of my oldest positive TL's. They made up some of the only positive credit history I had, and they are all gone. Just like that. My FAKO tanked 22 pts, I can only imagine what happened to my FICO's, but I'm not going to pull them because it's too expensive and i need that money to PFD some stuff.

I knew that I had been experiencing too much success, I knew that one of these days I would get the big smackdown, and ohhhh does it suck!

Anyone had this happen to them?

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Hippychic, you hadn't had a dispute on any of those TLs at all? I would be on the phone w/whomever services those accounts (eg. CSC) so fast that their heads would be swimming.

[Anonymous]

What do I say? They are close to 10 years old so can they be forced to put them back on? EQ was my highest score too. ARGH!

[Anonymous]

and no, i didn't dispute any of them, they were nice perfect paid accounts that were from before i got in financial trouble

[Junejer]

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@Anonymous wrote:

and no, i didn't dispute any of them, they were nice perfect paid accounts that were from before i got in financial trouble

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They haven't been closed for 10 years have they? I wouldn't speak to anyone less than a Supervisor. If not, I would be really nice and say that "I understand according to the FCRA that my accounts in good standing should stay in my file for up to 10 years, but suddenly you deleted five of my positive TLs. I have xx years of reporting left. Isn't there anything that you can do to assist me? I am attempting to purchase a home and this is a really big setback for me."

[Anonymous]

most of them were paid off in 98 or 99.

[Junejer]

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@Anonymous wrote:

most of them were paid off in 98 or 99.

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Seems like there are a couple years left to report. Sorry to hear that. The same thing happened to me with an MBNA account, closed in 2003. Mysteriously disappeared from all three. Hmmm.

[Anonymous]

So can they actually be put back on if I ask them to?

[Anonymous]

More than likely they will tell you to have the creditor rereport the good info.  do you have reports showing the acocunts?  They may just be able to verify with the creditor but I wouldn't hold out hope.  The thing is good credit must stay on for a min of ten years which may givey you a leg to stand on.

[Anonymous]

yes, I have dozens, as i print every TC update as well as any other reports I pull.

So this is something I'd have to dispute by fax since I would likely need to send some kind of proof, right?