So I have acheived the AZEO withonly one card having a balance unfortunatly EQ and EX are not reporting this correctly. I have called the creditors and they each have said they report monthly that it must be a CRA issue - do i just patiently wait and hope itll update at some point or put in a disptue to correct the balances since its been a couple months ?
@mfinsmi1 wrote:So I have acheived the AZEO withonly one card having a balance unfortunatly EQ and EX are not reporting this correctly. I have called the creditors and they each have said they report monthly that it must be a CRA issue - do i just patiently wait and hope itll update at some point or put in a disptue to correct the balances since its been a couple months ?
Where are you getting the reports from?
@mfinsmi1 wrote:@SouthJamaica from myfico
You pulled the updated 3 bureau report from MyFICO and it didn't have the correct balances??? That's odd.
What is the date for "Last updated"?
@SouthJamaica wrote:
@mfinsmi1 wrote:@SouthJamaica from myfico
You pulled the updated 3 bureau report from MyFICO and it didn't have the correct balances??? That's odd.
What is the date for "Last updated"?
so let me clarify - EQUIFAX hasnt updated my payment or balance since May for one of my cards and Experian hasnt updated my payment or balance since May for another card - the report was pulled last week from myfico , where Transunion has everything correct and updated. So for some reason EQ and EX are either really behind to update some accounts or something is not right. I have another issue with Experian reporting an open account with no status which is affecting my AAOA and Utilization - thats a whole other issue though.
@mfinsmi1 wrote:
@SouthJamaica wrote:
@mfinsmi1 wrote:@SouthJamaica from myfico
You pulled the updated 3 bureau report from MyFICO and it didn't have the correct balances??? That's odd.
What is the date for "Last updated"?
so let me clarify - EQUIFAX hasnt updated my payment or balance since May for one of my cards and Experian hasnt updated my payment or balance since May for another card - the report was pulled last week from myfico , where Transunion has everything correct and updated. So for some reason EQ and EX are either really behind to update some accounts or something is not right. I have another issue with Experian reporting an open account with no status which is affecting my AAOA and Utilization - thats a whole other issue though.
Then the only thing you can do is file a dispute for each, which will probably be a waste of time, because it will probably take a month to work itself out, by which time it probably would have been corrected in the ordinary course.
@Anonymous i agree - last month i paid all my subprime cards that are still open down to 0 - its these one that are having the issues of course haha - ill never be using these cards ever again so yeah maybe i just wait it out and then not have to worry about it ever again