razr Posted January 13, 2008 Report Share Posted January 13, 2008 After I disputed a charge off from 2003 (my only baddie besides my BK) Experian started to report it as a KD (Key Derogatory) rather than a CO. My Exp FICO (687) is considerably lower than EQ (733) or TU (728). The only difference between the reports other than slight balance differences is the way Exp is reporting. Anyone know why they are reporting this way and if it is something that could be disputed?-r Link to comment Share on other sites More sharing options...
rmuse00 Posted January 13, 2008 Report Share Posted January 13, 2008 Very odd, never heard of this. Hopefully more will chime in on this now I'm curious. Link to comment Share on other sites More sharing options...
Amerikaner83 Posted January 13, 2008 Report Share Posted January 13, 2008 Same here...no clue. Maybe it's just a different way of saying the same thing they were before? Link to comment Share on other sites More sharing options...
rmuse00 Posted January 13, 2008 Report Share Posted January 13, 2008 Did your score change after the update? Link to comment Share on other sites More sharing options...
Freak Posted January 13, 2008 Report Share Posted January 13, 2008 I'm not sure if I want to be jealous...maybe you have better derogs than us Link to comment Share on other sites More sharing options...
razr Posted January 14, 2008 Author Report Share Posted January 14, 2008 Did your score change after the update?I dunno. Since my credit repair is pretty much done, I don't check my FICO scores very often (maybe every six months.) And since I lost access to True Credit, I don't check my FAKOs at all.I tried searching for info on the web and on other forums and I don't see much of an answer anywhere...-r Link to comment Share on other sites More sharing options...
lavs412 Posted January 14, 2008 Report Share Posted January 14, 2008 EX was reporting my CO as KD after it was disputed, but the KD only showed up on my PM123...the hardcopies never had KD...Is this what you are talking about? Link to comment Share on other sites More sharing options...
razr Posted January 14, 2008 Author Report Share Posted January 14, 2008 EX was reporting my CO as KD after it was disputed, but the KD only showed up on my PM123...the hardcopies never had KD...Is this what you are talking about?I pulled a single credit report on-line directly from Experian. Maybe I should get a hard copy...-r Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted January 18, 2008 Report Share Posted January 18, 2008 EX did the same to me. I have a paid collection that i disputed. when they "verified" they noted it as a KD (key derogatory) as of 1/2008. the account was PIF nov 07. i dont get it Link to comment Share on other sites More sharing options...
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