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Follow up to Merrick Charge Off question

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HowDoesThisAllWork
Frequent Contributor

Re: Follow up to Merrick Charge Off question

@Onlinecreditnewbie2 

 

Great help!  Much appreciated.   The Credit Reports that I posted originally were not the most up-to-date.  I had the dispute with Equifax (middle-ish of June, 2021 and it was 'resolved' on July 2, 2021) but I had several phone calls with Equifax as follow up.  As such, the details in the Equifax Credit Reports have not been the most complete.  That changed......

 

In my letter to Merrick I included the screen shots from the most recent, updated Credit Report (Equifax in this discussion.....but I did include both Equifax and Transunion in my letter to them).   Oddly, they (Merrick) have not touched the Experian Credit Report. 

 

Anyway, here is the "Account Details" from the August 16, 2021 Equifax Report (and, what was included in my letter | dispute sent to Merrick dirctly).

 

Merrick - Equifax Details as of August 16, 2021.png

 

 

There is an actual account number.  It is just not showing up on anything that I have included in these posts.

 

Now, in my letter to Merrick, I did not 'challenge' the data in the "Amount Past Due" field.  As you can see, it is missing.  I will include that in my discussion with Merrick.  I am operating under the assumption that they will be professional and act appropriately.  Kind or not! :-)

 

Thank you again.....I, too, love the data.  And the "why" (or, details) behind the data.

FICO 8 Scores as of 2022 JULY 04:

FICO 9 Scores as of 2022 JULY 04:

FICO Auto 8 Scores as of 2022 JULY 04:

FICO Auto 9 Scores as of 2022 JULY 04:

FICO Bankcard 8 Scores as of 2022 JULY 04:

FICO Mortgage 2/4/5 Scores as of 2022 JULY 04:

Starting Score: Exp 627
Current Score: Exp 713
Goal Score: Exp 750+

Take the myFICO Fitness Challenge
Message 11 of 38
Onlinecreditnewbie2
Contributor

Re: Follow up to Merrick Charge Off question

Cool - can you please post (wiping all PPI data) the top portion of this report?


Message 12 of 38
Onlinecreditnewbie2
Contributor

Re: Follow up to Merrick Charge Off question

Sorry - Specifically this Tradeline?
Message 13 of 38
Onlinecreditnewbie2
Contributor

Re: Follow up to Merrick Charge Off question

Also - Look at the date reported field, typically a date stamp created when the Data Furnisher sends the file.
Message 14 of 38
HowDoesThisAllWork
Frequent Contributor

Re: Follow up to Merrick Charge Off question

@Onlinecreditnewbie2 

 

Here they are.....three screen shots in total!

 

Merrick - Additional Equifax Details 1A as of August 16, 2021.pngMerrick - Additional Equifax Details 1B as of August 16, 2021.pngMerrick - Additional Equifax Details 1C as of August 16, 2021.png

FICO 8 Scores as of 2022 JULY 04:

FICO 9 Scores as of 2022 JULY 04:

FICO Auto 8 Scores as of 2022 JULY 04:

FICO Auto 9 Scores as of 2022 JULY 04:

FICO Bankcard 8 Scores as of 2022 JULY 04:

FICO Mortgage 2/4/5 Scores as of 2022 JULY 04:

Starting Score: Exp 627
Current Score: Exp 713
Goal Score: Exp 750+

Take the myFICO Fitness Challenge
Message 15 of 38
HowDoesThisAllWork
Frequent Contributor

Re: Follow up to Merrick Charge Off question

@Onlinecreditnewbie2 

 

The date reported field seems to be an issue!  Ha! Ha!  Merrick has been updating this account essentially every week (or - at worst - every two weeks) since December 1, 2020.

 

The longest lapse in a changed "Date Reported" was between July 2, 2021 and August 12, 2021. 

FICO 8 Scores as of 2022 JULY 04:

FICO 9 Scores as of 2022 JULY 04:

FICO Auto 8 Scores as of 2022 JULY 04:

FICO Auto 9 Scores as of 2022 JULY 04:

FICO Bankcard 8 Scores as of 2022 JULY 04:

FICO Mortgage 2/4/5 Scores as of 2022 JULY 04:

Starting Score: Exp 627
Current Score: Exp 713
Goal Score: Exp 750+

Take the myFICO Fitness Challenge
Message 16 of 38
Onlinecreditnewbie2
Contributor

Re: Follow up to Merrick Charge Off question

They are trying to FIX it ---- it cannot be fixed.

My Humble opinion :-).
Message 17 of 38
Onlinecreditnewbie2
Contributor

Re: Follow up to Merrick Charge Off question

Yeah - uhm give me a minute on this one - never seen it in this state :-)

They cant fix it ----
Message 18 of 38
HowDoesThisAllWork
Frequent Contributor

Re: Follow up to Merrick Charge Off question

@Onlinecreditnewbie2 

 

Hey, I really appreciate your assistance.  I need to go to work now....I am working overtime today and work from 6PM to 4:30AM.  So, gonna dissapear for a good while (and now you know why).

 

If anything comes to mind, I would love to hear it.  I am frustrated by this whole situation (and, to be clear, starting with myself for allowing this to happen back in 2017).

FICO 8 Scores as of 2022 JULY 04:

FICO 9 Scores as of 2022 JULY 04:

FICO Auto 8 Scores as of 2022 JULY 04:

FICO Auto 9 Scores as of 2022 JULY 04:

FICO Bankcard 8 Scores as of 2022 JULY 04:

FICO Mortgage 2/4/5 Scores as of 2022 JULY 04:

Starting Score: Exp 627
Current Score: Exp 713
Goal Score: Exp 750+

Take the myFICO Fitness Challenge
Message 19 of 38
Onlinecreditnewbie2
Contributor

Re: Follow up to Merrick Charge Off question

All good, life and work happens. 

 

I just love the data, hope to help folk understand it, and ensure its understanding, impacts and accuracy. 

 

Data is everything. 

 

Message 20 of 38
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