edubb007 Posted August 8, 2003 Report Share Posted August 8, 2003 Hi all, I just wanted to let everyone know how this one stinking late was costing me 9 points on my EQ. Now I've only pulled my PG and will buy my real EQ when my inq dispute ends. So I check PG's FAKO today and it said I went from 584(POOR) to 594(FAIR) today. I am unable to pull my CR from EQGold because of the whole 24 hour gig! So I looked at my PG CR from yesterday and today and compared for the 9 points. My Auto TL that had 6 lates at one point and lost a dispute, then reinserted the same lates and lost another dispute! Arggghhh!!! They found a loophole and added another late. 1 late 30 days in 2001/April. I told EQ it was a reinsertion but appearently it was a mysterious late the OC had overlooked at first and now reported this late as a new one NOT the one's I won through dispute! So they had found a loophole! Well I disputed it and saw it was gone....To make a long story even longer! lol! That one late from 4/01 counted as 9 points towards me. i thought anything over 2 years was not calculated or does a R1 status cause the jump versus an R2? Maybe someone wouuld know! Thanks for reading my venting babble. I am just happy to get that late off it was 90 days and 3 disputes later but off it IS!Thanks all,Edubb007 8) Link to comment Share on other sites More sharing options...
sisflomi Posted August 8, 2003 Report Share Posted August 8, 2003 Congrat edubb. I got a really cool lady at equ today. She took a reinserted account back off, major 1yr old co, when it hit my reports again, it killed me. I hope it is going to give me back at least half. It was like 40 points gone when it hit the report again. Keep up the good work, you are going places really fast. Link to comment Share on other sites More sharing options...
ADSOFT Posted August 8, 2003 Report Share Posted August 8, 2003 Ed,You will have a better profile. Sometimes these lenders take those lates seriously. But you moved up to the next level. At least your moving forward. Your FICO probobly moved up even more. At least your not on the bottom TIER any more. !!!!!!!Congrats Link to comment Share on other sites More sharing options...
Miamijc Posted August 8, 2003 Report Share Posted August 8, 2003 Great news, and I'm glad to hear that I am not too far from becoming "Fair" under the PG fako score. I was "very poor" and then jumped to "poor" a while back, but at 584 I must be pretty close to "fair". Can't wait.Quick question E - my EQ fico last showed at 657, a big difference from the PG score. Do you show a similar jump? Link to comment Share on other sites More sharing options...
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