Hi, thanks to the wonderful advice from this forum, I have been able to take my 3 scores from the mid 600s to closing in on 700 in a month by having inaccurate information removed from my 3 reports as well as understanding why my score was low and taking steps to correct these misunderstandings, such as opening 2 new CC.
I now have a (comparatively) huge problem with EQUIFAX. EQ formerly WAS my highest score. I noticed a couple of late payments not reported on EQ but were reported on TU and EX for 2 BOA accounts (closed in 2006 – one settled and one charged off). I disputed these late payments with TU and EX only; I did NOT dispute this with equifax. (Note, these were NOT part of the run up to DOFD).
• EX verified the accounts, leaving them unchanged, but placing a note saying they were verified 9/2008, leaving the last reported date unchanged.
• TU is currently investigating (I assume so because all lates have been removed with no change in score).
• Now, my problem comes with EQ. I check truecredit daily, pulled my fico scores from myfico, and pulled my backdoor reports with all 3 bureaus to verify this information. EQ changed the date reported field from 5/06 for both of these accounts to 9/08, and my score dropped 20 points. NO other changes were made on the EQ report other than the date reported field and payment history from:
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2006 90 120 150 180 * *
2005 * * * 30 30 60 * * * * 30 60
2004 * * * * * * * * * * * *
2003 * * *
To:
81-Month Payment History
Year Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2008 * * * * * * * *
2007 * * * * * * * * * * * *
2006 90 120 150 180 * * * * * * * *
2005 * * * 30 30 60 * * * * 30 60
2004 * * * * * * * * * * * *
2003 * * *
These accounts were closed when charged off or settled in 2006. Now, my question is, is there ANYTHING I can do to have this fixed on EQ. I never disputed with them in the first place, and I took a 20 point hit because 1. BOA obviously reported to all 3 when verifying information and 2. EQ Fico scores ARE DEFINITELY affected by the Date Reported date. Am I just stuck with the 20 point drop? Or, can this be fixed. If so, how do I go about disputing it? I live in a state serviced by CSC and not EQ directly.