@firemartinez1980 wrote:
It was a stupid collection from AT&T for $300 stating I did not pay my last bill of service or return equipment which was not true. The bill was paid over 7 months ago and everything returned.
It took over a month for the dispute investigation, but when it was finished, they had deleted it from Experian.
I am sure as long as you sent proof of final payment, it should just be deleted. Sometimes ot takes 30-60 days to be fully updated. You can always give them a call if it has been at least the minimum 30 days to investigate to see where it is at. The other reporting agencies will not go off what another one does. They each do their own individual investigations.
Experian does provide actual FICO scores. You will want to get your mortgage scores, though, since that is the scores lenders will use for a mortgage. I get mine through MyFICO, but Experian also provides you with your mortgage score through them, too. You will need all 3, though, to determine what your middle score is.
Good luck!
