rambler Posted March 19, 2012 Report Share Posted March 19, 2012 Well Equifax has been almost clean for a while now and just got 2 more off my TU report. They had sent me a letter saying the items were deleted, then about two weeks later they sent a letter stating new information been updated (reinsertaion of the two deletes). I sent my MOV letter, and today I got a new copy of the CR and a letter saying the items I had sdisputed are not on my CR. Looked it over and yup they're gone. So 1 Neg on Eq, 2 on TU, but Ex won't get rif of anything it seems. Still 7 showing there. Waiting on response to my MOV from last round of disputes. Link to comment Share on other sites More sharing options...
crash5050 Posted March 20, 2012 Report Share Posted March 20, 2012 Experian seems to lag a bit, I had a CA that was a charge off, Paid it, and they agreed to delete it.. It took a bit of whining and offering to do various janitorial services at the office, but I convinced them to remove it. Next day it was gone from Trans Union, it is still on my Experian. I used experian's estimator, and if that was gone, I would jump 74 points.Crash5050 Link to comment Share on other sites More sharing options...
rambler Posted March 20, 2012 Author Report Share Posted March 20, 2012 Mine is not an issue of lagging, it's they claim each time the debts are veridied. Equifax and TU deleted NP (well TU took a little work). Some of these are so blatently wrong it's unbelieveable. I submitted proof and demanded since the OC was providing false information it has to be deleted since how can false information be verified (and it's completely different information than they "verified" the month before). They just change it again and keep reporting it. Link to comment Share on other sites More sharing options...
poppet24 Posted March 20, 2012 Report Share Posted March 20, 2012 Experian has been a pain for me as well. I actually had them served last week. I am hoping it will give them a little kick in the right direction. Link to comment Share on other sites More sharing options...
NeverServed Posted March 21, 2012 Report Share Posted March 21, 2012 How long are you waiting to challenge them rambler? Wait till the sol is up and then challenge? I have a few things for the same account. But they are listed by diffrent ca's. For very different amounts. I know the sol is up. But in about 2 months the rest of sol should be up on everything. except 2 small ones. Which I can handle. think I should negotiate with those? pfd? or wait till the others are past sol then pursue pfd? You always have good advice as well as some others here. Link to comment Share on other sites More sharing options...
rambler Posted March 21, 2012 Author Report Share Posted March 21, 2012 There is only one account I am waiting for the SOL to expire before slamming them with a barrage of disputes/invistigations etc. The rest are either completely false or I have something up my sleeve. Two of the main ones I am having problems with their reporting to Experian were paid in full. One is reporting false info, the other is a CA for a med bill that was paid to the hospital. Link to comment Share on other sites More sharing options...
rambler Posted July 11, 2012 Author Report Share Posted July 11, 2012 First posted this in March, just now was able to clear off 2 more from Experian. Got an appointment with a lawyer tomorrow, so may start to see some real progress soon. Gotta love the way score are calculated though, not a late payment to anybody in 2 years now, tons of stuff deleted from my credit reports and scores are about the same or lower than this time last year. WTF Link to comment Share on other sites More sharing options...
rambler Posted July 12, 2012 Author Report Share Posted July 12, 2012 Woke up this morning to find another one gone from Experian. Turning out to be a good week so far. Link to comment Share on other sites More sharing options...
willingtocope Posted July 12, 2012 Report Share Posted July 12, 2012 and scores are about the same or lower than this time last year. WTFWhich scores? FAKO or FICO? Link to comment Share on other sites More sharing options...
rambler Posted July 12, 2012 Author Report Share Posted July 12, 2012 Scores are from the CRA's themselves. When I last tried to obtain credit they pulled all 3 and those scores match the ones from the CRAs. Normally pull from Equifax and now using Credit Karma which gives the TU score and they all seem to match what the loan folks showed me so... Link to comment Share on other sites More sharing options...
willingtocope Posted July 12, 2012 Report Share Posted July 12, 2012 Here's my lecture again...From the terms and conditions of the credit karma site...Disclaimer of WarrantiesNONE OF CREDIT KARMA, ANY OF ITS AFFILIATES, PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, INDEPENDENT CONTRACTORS OR LICENSORS (COLLECTIVELY THE "CREDIT KARMA PARTIES") GUARANTEES THE ACCURACY, ADEQUACY, TIMELINESS, RELIABILITY, COMPLETENESS, OR USEFULNESS OF ANY OF THE CONTENT AND CREDIT KARMA DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE CONTENT. WITH RESPECT TO THE PRODUCTS (INCLUDING, WITHOUT LIMTATION, FREE CREDIT SCORES AND VALUABLE OFFERS FOR PRODUCTS AND SERVICES FROM OUR PARTNERS), YOU HEREBY ACKNOWLEDGE YOUR UNDERSTANDING THAT CREDIT KARMA IS SOLELY AN INTERMEDIARY BETWEEN YOU AND THE NATIONAL CREDIT REPORTING AGENCY (TRANSUNION) ACTUALLY FURNISHING THE CREDIT SCORES AT ISSUE (IN THE CASE OF THE FREE CREDIT SCORES) AND BETWEEN YOU AND OUR PARTNERS (IN THE CASE OF THE VALUABLE OFFERS FOR PRODUCTS AND SERVICES); THEREFORE, THE CREDIT KARMA PARTIES HEREBY EXPRESSLY DISCLAIM ANY LIABILITY FOR THE INACCURACY OR INCOMPLETENESS OF ANY SUCH CREDIT SCORES OR FOR THE CONTENT, AVAILABILITY, OR LEGALITY OF ANY OF THE OFFERS MADE BY THE PARTNERS...which basically says...You get a FAKO from TU, and outdated and unreliable TU estimates of what TU thinks your FAKO's from the other sites would be. The CRAs are competitors. They do not share useful, up to date info with each other.It depends on who you tried to get a loan from as to whether they actually got their data thru FICO or used one of the FAKO services.Even if they did get true FICO scores, them matching fairly close to what you're getting is purely coincidental. Link to comment Share on other sites More sharing options...
rambler Posted July 12, 2012 Author Report Share Posted July 12, 2012 Karma is owned by TU and reports about the same through it as it does to a potential creditor. That is where I got the TU score. I have a the monitering service traight from Equifax and get their score from them pretty much daily.When there have been big shifts (such as things dropping or being added) I buy Experian score from Experian.I only even use the TU Karma site because it is free. For the most part I consider TU as being the bastard son of the CRAs and put little to no faith in anything they say or do. Other than that, I get my reports straight from the companies on a very regular basis. Don't have the scores with them, BUT no real need unless there is a major shift in the reports. Link to comment Share on other sites More sharing options...
willingtocope Posted July 12, 2012 Report Share Posted July 12, 2012 You're correct in what you said, but, here's the rest of the story.FICO (which is the only scoring system that matters to creditors) has like 17 different scoring models. The only one us poor consumers can buy is the FICO Consumer Score (which uses almost the same calculations as the FICO Bank Card Score...the "sucker score").Mortgages, New Cars, Insurance, etc...all have their own FICO calculations. Yes, occassionally, the stars align, and some of the scores come out to almost the same number, but for the most part tracking the scores you're allowed to see is a waste of time (and money, if you pay for one of the services.) Link to comment Share on other sites More sharing options...
rambler Posted July 13, 2012 Author Report Share Posted July 13, 2012 I pay for a service, but it's for the reports, not the scores. Scor just comes with it. For a year now I have been able to obtain free reports from 1 CRA on pretty much a daily basis, another on a semi regular basis. The other was more difficult so I pay for their service to have unlimited access to my report.As for the scores, yes there are tons of scoring models, but when I was recently trying to get pre-qualified for a VA mortage, they pulled the scores from each of the 3 CRAs and at least with a lot of VA lenders, they use the median score, not a consolidated FICO score. The scores they gave me from that pull match the service I use, the Karma site for that 1 score, and the last time I had gotten a score from the other. I was able to get these three things dropped and paid them the 1 time fee for my score to see how close I was. As of yesterday I am 1 point shy of getting pre-qualified for my loan. 1 stinking point. Link to comment Share on other sites More sharing options...
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