Did EE and disputes backfire?

[nmjacobs]

I'm trying to raise my scores so we can buy a home in the next 6 months. In July my scores were 535-585 and now they have dropped over 100 points!

I have student loans and two credit cards as active trade lines. Baddies are 2 paid judgements, 1 other judgement with 1 payment left, 2 unpaid medical collections (neither has reported since 2013 so I'm leaving those alone), and two unpaid collections ($206 from LVNV and $1166 from Pinnacle; both have DOFD in 2010).

In July I started by requesting early exclusion for one judgement (set to come off in March) and the two unpaid collections, LVNV also set to come off 3/2017 and Pinnacle set to come off 11/2017. I used the online disputed for all 3 CRA's and requested EE. For Pinnacle, I submitted a copy of a letter from them saying they are no longer collecting or reporting this to CRA's.

Experian deleted both collections and the judgement within 1 week. Score went up 8 points.

Transunion deleted the judgement, updated LVNV (shows I made a $1 payment), and now shows Pinnacle as paid in full $0 balance (I have never paid them anything) which reaged the account by 6 mos.

Equifax just shows updated on everything.

To top it off, my student loans are reporting as deferred since I was on a very brief forebarence not due to my fault (the gov site didn't send my IBR request to Navient and put me on this for one month).

My scores have dropped 100-150 points all across! I'm not sure what to do next.

[nmjacobs]

I forgot one thing. Credit Karma showed that Equfax deleted both collections and then added them back as if they were new. It appears to have happened on the same day.

[nmjacobs]

I did call Equifax about this and they denied this happened.

[Geordi]

Bump

[traveler2005]

Don't rely on credit karma scores. Pull your scores from my fico!!!

[nmjacobs]

I have Credit Check Total but it hasn't updated yet. I'm still concerned about the changes irregardless of the actual scores.

[nmjacobs]

I guess I am looking more for advice on the results from the CRA's. How can Equifax delete and then add back an old collection but report it as new?

[nmjacobs]

And how can the collections report that I paid when I did not and reage the account?

[Anonymous]

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@nmjacobs wrote:
I guess I am looking more for advice on the results from the CRA's. How can Equifax delete and then add back an old collection but report it as new?

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Hi NMJacobs.

We won't know the true story about your EQ profile until your CCT updates.  Credit Karma is only good for knowing about balances and collections, but not for true credit activity.  They take off accounts, put them back, and scores go up and down all the time.  I think it would be worth it to pay for and get your EQ FICO score.  They have a coupon that you can use to get 20% off.  If then, it is still showing the account as re-aging, I would file a complaint with CFPB about the collection agency reporting a payment that was never made. 

[nmjacobs]

Thank you. I have the investigation results from the Equfax showing the new date (and the old report showing the original fall off date). I just learned of CFPB so I will maybe look into that.