Why? Why? Why????!!!!!

[working-hard-atit]

I don't freaking get it... Why is my EX score so fudging low compared to my TU and EQ???????? My EX is 567, TU 644 and EQ 623 why is there such a big difference? Is it because EX doesn't update information as frequently as TU and EQ?  It's absolutely frustrating to have two fair scores and one score that is pure crap!!! Help Please!!!!  

They should have a smiley for punching someone in the face because that's what I feel like doing.

[QAMngrGirl]

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@working-hard-atit wrote:

The should have a smiley for punching someone in the face because that's what I feel like doing.

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I have nothing helpful to contribute other than I agree with this.

[dodfire]

Have you checked all reports side by side to see that the information is the same? Many times the information is not the same. One of your creditors might not be reporting to TU, maybe there is something negative on there. And also keep in mind they use a different scoring method. 

[llecs]

Are you sure you are looking at a FICO score? If not, ignore them! It doesn't mean your FICO is doing the same.

[working-hard-atit]

@dodfire, Yes I've checked them all and EX is reporting negative information that shouldn't be on there due to it being over 7 years old or has been paid.  The have stuff on there from my first year of college which was in 1999. WHAT IN THE WORLD????!!!!! Are they lacking employees to do the updates? I mean if so I'm will to volunteer there to help them out.  Sill so frustrated And to had to the frustration I've disputed them about 30 days ago and have gotten no respond. 

[Anonymous]

The dispute delay happened to me. I was told the creditor had up to 45 days to respond, and the rep gave me a target date. Check on this and turn your frequency to "no worries" until then. You know why the score is low, due to the baddies and oldies, so just make it your spare-time job to do your due diligence and knock them down. It's your job to maintain your CR; it's the CB job to only report. Seems like you're well on your way to making them report it right!

When you finish this process and your score pops up to where you think it's appropriate, post to let us know. Good luck!!

[Anonymous]

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@working-hard-atit wrote:

@dodfire, Yes I've checked them all and EX is reporting negative information that shouldn't be on there due to it being over 7 years old or has been paid.  The have stuff on there from my first year of college which was in 1999. WHAT IN THE WORLD????!!!!! Are they lacking employees to do the updates? I mean if so I'm will to volunteer there to help them out.  Sill so frustrated And to had to the frustration I've disputed them about 30 days ago and have gotten no respond. 

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Paying off something does not get it deleted from your CR.  If the account was CO'd or in collections it can stay for 7.5 years. 

If the accounts are from 1999, when were they closed?  Are they in good standing?

[Anonymous]

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@Anonymous wrote:

The dispute delay happened to me. I was told the creditor had up to 45 days to respond, and the rep gave me a target date. Check on this and turn your frequency to "no worries" until then. You know why the score is low, due to the baddies and oldies, so just make it your spare-time job to do your due diligence and knock them down. It's your job to maintain your CR; it's the CB job to only report. Seems like you're well on your way to making them report it right!

When you finish this process and your score pops up to where you think it's appropriate, post to let us know. Good luck!!

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The only time a dispute can go beyond the 30 days is if you use annualcreditreport.com or submitted more information after you filed the dispute.  Other than that, by Federal law, it is 30 days.

[Anonymous]

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@Anonymous wrote:

The only time a dispute can go beyond the 30 days is if you use annualcreditreport.com or submitted more information after you filed the dispute.  Other than that, by Federal law, it is 30 days.

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The CB told me 45. I haven't read the law on that. Maybe they were allowing for mail time coming and going? If so, that's fair.

Also, check the reports to see when they fall off. If there are none, sometimes, if you use honey, the CB worker ants will do your bidding and chalk it up to "adminstrative" or "technical" errors. If not, by all means, give 'em vinegar! Just let the rep, who is only a lowly worker ant, know that it's not them, but the company's lack of 'whatever' that gets your goat. Sometimes, that type of vinegar gets what you want, too. If you don't get what you want with one rep, hang up and get someone else.

Would love for this to turn into a success story! Keep at it!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

The only time a dispute can go beyond the 30 days is if you use annualcreditreport.com or submitted more information after you filed the dispute.  Other than that, by Federal law, it is 30 days.

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The CB told me 45. I haven't read the law on that. Maybe they were allowing for mail time coming and going? If so, that's fair.

Also, check the reports to see when they fall off. If there are none, sometimes, if you use honey, the CB worker ants will do your bidding and chalk it up to "adminstrative" or "technical" errors. If not, by all means, give 'em vinegar! Just let the rep, who is only a lowly worker ant, know that it's not them, but the company's lack of 'whatever' that gets your goat. Sometimes, that type of vinegar gets what you want, too. If you don't get what you want with one rep, hang up and get someone else.

Would love for this to turn into a success story! Keep at it!

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Per the FCRA it is 30 days.  If you use the annualcreditreport.com report it is 45 days, per the FCRA.