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[b]WHAT'S GOING ON HERE? HELP[/b]!


bigrick
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Anyone see this before? In May, I disputed 6 items from same CA(HCSC) on TU. I got my report back 6/20 as verified no change, and when I pulled my TU report today, all six items are marked as "SUPPRESSED PENDING CREDIT GRANTOR UPDATE." :shock: Help!

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In this case the creditor asked the CRA to suppress these tradelines from affecting the score until they could finish their investigation in the matter.

This way they over rode the 30 day policy and bought themselves more time; unfortunately. But just wait and see what their next move is, for the time being it is not affecting your credit scores.

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Anyone see this before? In May, I disputed 6 items from same CA(HCSC) on TU. I got my report back 6/20 as verified no change, and when I pulled my TU report today, all six items are marked as "SUPPRESSED PENDING CREDIT GRANTOR UPDATE." :shock: Help!

Yes, that means that for whatever reason, the credit grantor has asked that the item be supressed. This means as long as that notation is there, it will not show up if anyone pulls your report. It may come back as removed or updated due to their changes.

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This way they over rode the 30 day policy and bought themselves more time; unfortunately. But just wait and see what their next move is, for the time being it is not affecting your credit scores.

Not so, the investigation was completed and verified already. This means that it won't show up at all, this is not a bad thing. A furnisher does not have the authority to "override" the 30 days period. It's 30 days PERIOD, neither the CRA nor the furnisher can extend that without the. Only the consumer can extend it 15 days should he send in additional information related to that investigation.

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This way they over rode the 30 day policy and bought themselves more time; unfortunately. But just wait and see what their next move is, for the time being it is not affecting your credit scores.

Huh? :shock:

If the furnisher couldn't verify the info within the 30 days, the CRA was bound by law to delete the items. Additionally, at the end of the 30 days, the item was not suppressed on the OP's updated report with her results. I don't know if s/he pulled reports between 6/20 and now. I'd be interested to know.

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Yes I did pull several times. I pulled my report on PG on the 10th, 11th and 12th, and all 6 items were on there. on the 13th, they were gone, so I checked again on the 14th and 15 still gone. Then I recvd another updated cr in the mail dated the 10th and the collections were on there, so I went to TU website and pulled a new one for the score, and that's when the suppressed messages appeared.

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I recvd another updated cr in the mail dated the 10th and the collections were on there, so I went to TU website and pulled a new one for the score, and that's when the suppressed messages appeared.

It will still show up on YOUR copy from TU and listed as "supressed" but if you pull the lender version (for $12.95 w. FICO) or a third-party copy like PG, it will not be visible. When you do buy a TU report on their site, you're better off getting the lender version, the score you get with the 9.95 option is an internal BS score usually referred to as FAKO.

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