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EQ baddie

Established Contributor

EQ baddie

my last baddie on EQ just disapeared 2 weeks i had ordered a paper report a week and a half ago so when it came i can confirm by that  that is was gone ok today CK  updates  today and its right back i wonder why it was removed for to weeks and is now right back?

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Message 1 of 6
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Established Contributor

Re: EQ baddie


bigpoppa09 wrote:

my last baddie on EQ just disapeared 2 weeks i had ordered a paper report a week and a half ago so when it came i can confirm by that  that is was gone ok today CK  updates  today and its right back i wonder why it was removed for to weeks and is now right back?


Was it a drop off due to age, or did you dispute it off? Did they send you something in the mail saying it would be re-added?


TU 760 EX 781 EQ 780
Message 2 of 6
Established Contributor

Re: EQ baddie

it is over 6 years old  i didnt dispute it off havent recieved any letter this is weird  TU deleted  same account last month and it hasnt returned its strange how it could leave for two weeks then pop back up today.

Message 3 of 6
Moderator

Re: EQ baddie

If this is a CA its one of the tools they use in order to drop your Fico score.


"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 4 of 6
Established Contributor

Re: EQ baddie


gdale6 wrote:

If this is a CA its one of the tools they use in order to drop your Fico score.


Wouldn't that be illegal? Could OP have a civil case?

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Message 5 of 6
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Established Contributor

Re: EQ baddie


toi34 wrote:

gdale6 wrote:

If this is a CA its one of the tools they use in order to drop your Fico score.


Wouldn't that be illegal? Could OP have a civil case?


I'm also curious. I'm guessing its probably not illegal as long as it's a valid collection within the 7 years. Definitely shady, that's for sure. 

 

I don't really see how deleting and readding would have any more of an impact than just updating the date on it though.

Starting scores 9/1/15 TU 512 (CK) EQ 524 (CK) EX 535 (Scoresense)
Current scores 11/22/15 TU 763 (Fico8) EQ 733 (Fico8) EX 697 (Fico8)
Capital One Secured - 200
OpenSky Secured - 200
Walmart Mastercard - 10,000
AMEX Everyday - 500
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