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One bureau still showing false data.

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C_DUBYA
Regular Contributor

One bureau still showing false data.

Hello

 

I paid off an old charge off last year in November and in January TU and EQ showed the balance reported as 0 and updated.  Experian however is still showing it open and with the large balance.  I tried to do a dispute but experian wont let me as in October I did a dispute already.  (This was before the full payment it was disputed the amount reported at the time).

 

How do I reopen the dispute or have someone see the difference?  Its my last baddy of any kind and I am losing months for it to stop reporting.  Thanks for any idea.

Starting FICO8 June 2017: EQ: 514 - EX: 491 - TU: 521 Pre-BK7
Current
FICO8 March 2023: EQ: 703 - EX- 680 - TU: 671
Message 2 of 3
2 REPLIES 2
C_DUBYA
Regular Contributor

Realistic time differences on reported items?

Hello,

 

I had paid off a large loan in October and in January Equifax got it and uploaded.  It has been another week and neither TU nor EX have updated with that.  I assume the parties update all 3 at the same time?  It is on all 3 reports.  

 

What is a realisitic timeframe for updates to hit the different reports?   

 

Thanks

Starting FICO8 June 2017: EQ: 514 - EX: 491 - TU: 521 Pre-BK7
Current
FICO8 March 2023: EQ: 703 - EX- 680 - TU: 671
Message 1 of 3
OmarGB9
Community Leader
Super Contributor

Re: One bureau still showing false data.


@C_DUBYA wrote:

Hello

 

I paid off an old charge off last year in November and in January TU and EQ showed the balance reported as 0 and updated.  Experian however is still showing it open and with the large balance.  I tried to do a dispute but experian wont let me as in October I did a dispute already.  (This was before the full payment it was disputed the amount reported at the time).

 

How do I reopen the dispute or have someone see the difference?  Its my last baddy of any kind and I am losing months for it to stop reporting.  Thanks for any idea.


Might have to call in and do it, or do it via snail mail.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 3
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