Need help boosting my middle score to 23 points!!

[Anonymous]

Update on my credit report

As of today, Currently my Fico 8 scores are:

641-Equifax, 583-Transunion, 646-Experian

Mortgage scores are:

606-Equifax, 613-Transunion, 606-Experian

Old scores Fico 8:

612-Equifax, 589-Transunion, 657-Experian

Old Mortgage Scores:

585-Equifax, 641-Transunion, 597-Experian

My Transunion mortgage score dropped 28 points and my Equifax boosted the most both Fico 8 and mortgage.  Some reason one of the credit bureaus, which I believe is Equifax deleted both Captial One Mastercard and my BuyPowerCard because I had to file a dispute on my two cards that were reporting wrong, and is still pending .  I called Capital One and they said one of credit bureaus reported it as fraud so they had to close the accounts but they are not fraud.  Not sure about what to do with this situation.  Also my Quicksilver did not report the 0 balance yet.  Still has the $479 balance.  Im sure its hurting my credit scores with those accounts being deleted and it's becoming very frustrating since it's the credit bureaus fault for reporting my accounts incorrectly.  I'm sure it's Equifax that messed up because they were the ones originally reporting my credit cards wrong which I stated in my first post.  Any advice on what I should do? @AllZero

[AllZero]

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@Anonymous wrote:

Update on my credit report

As of today, Currently my Fico 8 scores are:

641-Equifax, 583-Transunion, 646-Experian

Mortgage scores are:

606-Equifax, 613-Transunion, 606-Experian

Old scores Fico 8:

612-Equifax, 589-Transunion, 657-Experian

Old Mortgage Scores:

585-Equifax, 641-Transunion, 597-Experian

My Transunion mortgage score dropped 28 points and my Equifax boosted the most both Fico 8 and mortgage.  Some reason one of the credit bureaus, which I believe is Equifax deleted both Captial One Mastercard and my BuyPowerCard because I had to file a dispute on my two cards that were reporting wrong, and is still pending .  I called Capital One and they said one of credit bureaus reported it as fraud so they had to close the accounts but they are not fraud.  Not sure about what to do with this situation.  Also my Quicksilver did not report the 0 balance yet.  Still has the $479 balance.  Im sure its hurting my credit scores with those accounts being deleted and it's becoming very frustrating since it's the credit bureaus fault for reporting my accounts incorrectly.  I'm sure it's Equifax that messed up because they were the ones originally reporting my credit cards wrong which I stated in my first post.  Any advice on what I should do? @AllZero

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It appears those disputes are hurting you. I'll ask @Anonymous  if he can offer some expertise.

What has changed on Transunion and Experian for the score drop?

Also, which bureaus is still showing the $479 balance?

[Anonymous]

I know I had three c/o fall off. Had an old capital one card from 2014 come off my Experian and Transunion, Citicard from 2012 came off Equifax and Transunion and boa card from 2008 came off my Equifax. I'm sure that factored in the change and all the credit bureaus are reporting the $479 balance. When I called capital one today they said that card statement closed yesterday and should report to the bureaus 2-3 business days. Not sure how much of a jump will appear on my scores once that go through but the limit was $500 and I paid it to 0. @AllZero

[AllZero]

In my experience, Experian usually reports first. Followed by Transunion or Equifax.

Since your maxed out card is still reporting on all 3 bureaus, you haven't realized the score improvement yet from that maxed out card paydown.

Before you pull you mortgage scores, wait for the reports to update.

I use wallethub to monitor TU daily.

CreditKarma updates weekly for TU and EQ.

[Anonymous]

Ok good to know. I will monitor it and hopefully to see something by next Friday. Will keep you posted and thanks again! @AllZero

[AllZero]

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@Anonymous wrote:

Ok good to know. I will monitor it and hopefully to see something by next Friday. Will keep you posted and thanks again! @AllZero

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Yup wait for the updates. Save yourself the 💰. Don't pay for the reports until you know you're at AZEO.

Good luck. Hope to read of a score increase.

[Anonymous]

OP, I agree with everything @AllZero has said. As for the accounts disappearing, standard procedure is for a bureau to remove a disputed account from scoring during a dispute (although removing it completely from your report is something I'm not familiar with). That's likely why you don't see the second card. The one that EQ deleted completely, I'd contact EQ and request it to be re-reported since it wasn't fraud, it was a simple dispute. If they can't reinstate it possibly CapOne can submit an updated, full account history to EQ at your request to reestablish its reporting? 

[AllZero]

@Anonymous   Thank you for your feedback!

[Anonymous]

Anytime @AllZero - hopefully the situation gets resolved and OP can recover those lost accounts

[Anonymous]

Good afternoon,

Here's an update on my credit reports.

As of today, Currently my Fico 8 scores are:

657-Equifax, 589-Transunion, 675-Experian

Mortgage scores are:

615-Equifax, 624-Transunion, 615-Experian

Old Scores

Fico 8 scores are:

641-Equifax, 583-Transunion, 646-Experian

Mortgage scores are:

606-Equifax, 613-Transunion, 606-Experian

I got a dispute back a couple of days ago from Equifax stating my active Capital One card that has a $750 limit got deleted.  One dispute is still pending and it was suppose to be done back on March 31st.  I typed a letter and attached the Equifax dispute to send out to Capital One's Dispute department.  Will take up to two weeks for a response.  Not sure what else to do as far as getting my scores up.  I did the AZEO and it definitely helped raise my scores but still not where I want to be.  Requirements are changing anyways for mortgages so it's looking like I would need a middle score of at least 640 anyways.  Do you think Equifax deleting my two capital one cards played a major factor in having a better credit score than what I currently have now? @AllZero