Caught in a hell and don't know next step.

[Momtotwo9]

Hi Everyone,

Maybe someone can give me direction.  My FICO scores were in the mid 700's.  

History:

BBT - Bank for both my business and personal checking accounts.

BBT and Suntrust were merged with Truist in late February.  The hell begins.

My business account is connected to Quickbooks and my clients are charged for and paid through this method. Some also pay through Stripe.

My business vendors are paid from auto debits from the business account. Business account pays me through my personal checking account from where my personal bills are paid.   Apparently, the new firewalls with Truist were/are not connecting with Quickbooks on a consistent basis for many bank clients.  There is no commonality as to who this impacts and why.   Several of my personal bills were sent back two times!!!!  Despite all attempts to resolve the problem, bringing in Quickbook experts and the regional manager of Truist, we recognize that the problem seems to not resolve.     I have five 30 days past due on my credit report in May which caused my FICO score to plummet. The bank wrote me a letter for my creditors and the credit bureaus explaining the situation and how it is clearly their fault, not mine.  I have no idea how to approach this.  I am an Experian member and called their dispute department. The person there could not follow my concerns and told me to go online to dispute the claim. I also called each creditor and they told me that I have stellar payment history and to write a letter to their dispute departments.  The bank manager tells me that this will all work out in the end.  However, I feel like I have a long journey ahead to fix this problem. I am buying a house in late summer and need my good FICO score back.  Are there any suggestions on how I can move this process along?   FYI -- I have moved banks as of last week.    Thanks in advance for any sage advice.

[babygirl1256]

@Momtotwo9 Welcome to myFICO forum and so sorry this has happened to you. I will private message the Executive Office contact for Experian and TransUnion. They have been super easy to work with and quickly resolve my issues. Equifax on the other hand was absolutely NOT willing to budge. Please keep us posted as many others will be able to provide guidance to you. Best wishes on resolving the issues in your favor. 

[HowDoesThisAllWork]

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@babygirl1256 wrote:

@Momtotwo9 Welcome to myFICO forum and so sorry this has happened to you. I will private message the Executive Office contact for Experian and TransUnion. They have been super easy to work with and quickly resolve my issues. Equifax on the other hand was absolutely NOT willing to budge. Please keep us posted as many others will be able to provide guidance to you. Best wishes on resolving the issues in your favor. 

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In other matters (read: unrelated to the BB&T/SunTrust mergers here in North Carolina and the resulting Truist) I have pretty extensive experience with the three CRAs.

As mentioned above, for whatever reason, Experian and Transunion were a complete joy and exceedingly helpful.  Equifax, on the other hand, considerably less so.

Not sure what the deal with Equifax is.  And, to be fair, I did speak with one young man who - quite frankly - seemed out of place at Equifax (in that he understood the issue, worked with me to come to a logical conclusion, implemented the changes discussed, and was very nice and friendly......all of the others with whom I spoke....well, momma taught me not to say something if you don't have anything nice to say).

From that series of experiences, and from what I read over and over and over again here in this forum, I would be VERY HESITANT to contact Equifax for anything.  I don't even like to think about Equifax.....for fear that something bad will happen!  LOL

[Momtotwo9]

Thank you for your reply.  I tried the numbers you gave me.  The one for Experian has a bizarre busy tone every time I have tried which has been several times a hour for the past two days. Trans Union uses a voice mail system. I left a message wtih no response yet.

 Since, I am in house hunting mode, I may have to get an attorney involved.  

Again, thanks for your help!!

Momtotwo