Just goes to show, I guess, how unusual this credit reporting stuff is.
I took another look and my TU turns out to be the most correct. Still a couple minor issues, but nothing earth-shattering. A couple incorrectly reported lates on two installments, that's it.
SCORE -- 602
Experian has one collection showing up as an open trade line, and one charged off, closed account showing as an open trade line for the same debt. Seems that's a duplication. The second item I think should be a closed account (Current status is "account transferred to another office" and balance is "not on record"....maybe this is actually helping me???), and the CA I don't think is supposed to report as a trade line; they should be listed as a collection account. Oddly, EX is my highest score despite having what would seem to be more bad info on it than TU.
SCORE - 616
Equifax, however, is a mess (and not suprisingly, my lowest score). There is a major collection showing up as an open trade line (killing my utilizations right now). My understanding is that CA's are not supposed to report as a tradeline, but rather as a collection account. There are two prior cards listed as past due 120+ days that are both paid off and closed. I have a National City also showing up with status of past due 120+ days and I settled on this one over a year ago. Payment history on two installments is incorrect, and the account that has the CA listing as an open TL ALSO is listed itself with an open balance and past due status. Every time I disput these items, they simply come back "verified" and that's it. So I resorted to a very specific letter, with documents to proove, and copies of my other reports showing the discrepancies, and a copy of my FOUR prior requests to have them clear this up, via CMRRR. We'll see where this one leads....
SCORE -- 571 (ick)
(as an aside, I just noticed that if you have the Suzi Ormon fico kit, it DOES include report numbers).
