EQ Problem

[ladyjaye82]

I received a GW removal back in May 2016 on a 30-day late on my (former) WF mortgage which was a huge win for me. The mortgage is blessedly no longer in my name and just in my ex-husband's (who got the late in the first place).

WF sent out a letter to EQ, EX and TU to have that "removed" from my report. EX and TU updated the account within a month (and I got large score increases) however it is STILL reporting with EQ and they haven't updated my report since April 2016. I have called EQ and they said they never received anything from WF and they told me that I should just dispute it. I reached out to the rep at WF who assisted me and she said that they would send out a second update to EQ. I again called EQ and the same speech no matter what level of rep I got to.

What are my options at this point? Everything else is just aging off my account in time (student loan baddies) but if I don't get a resolution on this one I'm stuck with it for 6 more years and I would really like to buy myself a house this year. Is there anyway I can show EQ that both EX and TU aren't reporting it? No idea what to do.

[RobertEG]

If the monthly delinquency occured while your name was still on the loan, then it is properly reportable to your credit report, and any deletion is voluntary on the part of the creditor.  I would call their executive office if their reps are making promises that they are not following thru on.

However, if it occured after he refinanced in his name only, it is inaccurate reporting, and thus subject to dispute.

[ladyjaye82]

It is properly reported. As I mentioned I was granted a GW request after I plead my case with the EO. Everything was followed through on, again as I said EX and TU removed it.

EQ on the whole hasn't updated my tradeline since April 2016. Even since the loan was assumed by my ex. At the very least I would think that the closing of that tradeline would show up. It did close on EX and TU as well. This seems to be entirely with EQ for some reason.