Hi I recently checked my credit report and because I have this mortgage in my name that I know nothing about I wasn’t able to check my Equifax credit report. I am going to contact them the upcoming week to see exactly what this is about. When I try to check this report they asked me about a mortgage, how much the mortgage payments are and if a particular city that is close by to where I live now, is the city in which I own property. I recently turned 21 this year and decided to pay off the little debt I have which is only like $ 200 cable bill! Now I am finding out that I might have more debt that I really couldn’t possibly make since I was only 16 when this property were bought. If a mortgage is in my name does that mean I am the owner of this house. How long will I have to wait to get this removed from my credit. And who will be responsible for this?
I choose the one that said none of the above! It wasn’t any question that said, “I don’t have a mortgage.” Instead it the question were a none of the above that is the one I picked too. I picked none of the above for each question because that is the correct one. Then it said they were unable to give me the information on my credit report. I am sure I have never lived in any of those cities and I know I don’t have any mortgage. Maybe they just can’t process it on line!
Okay it looks like this was just an error. Since, I did a credit report with trans-union and I only have that cable bill on there. Another question guys , I recently paid my rent with a cash withdrawal of $ 600. I know its not the best way to pay your rent and I am going to pay it off as soon as I finish these last two semesters. Is there any chance this is going to be transferred to the credit bureaus?
And thanks Guys for the HELP!
Hello Everyone, nth
Â
I had a 30 day late with capital one in november last year for $4.99 . Due to this and a recent spike in utilization ratio, my FICO was in mid 600s. I am looking for a car loan, so I thought I would ask Capital One if they could remove my 30 day late. I was travelling abroad when this late payment happened. I had never carried a balance and always used to pay to 0 each monthe. I explained this to the Accoutn Specialist(called the number in the backdoor number post from myfico), and she was nice and forwarded me to another agent. She said she is sending a letter to all three CRAs and send a copy to me also.Â
Â
Two days later I get an alert from Equifax saying one of my account changed. I went ahead and pulled my FICO equifax score and the score jumped to 700 something and there is no negatives on my account. But, my capital one account details says, “Customer disputes the informaiton on this account”. I read elsewhere on the net that this would stop many creditors from approving a loan.Â
Â
My equifax report still shows that there was a 30 days late in november last year. What is going on here? I talked to a agent today and she said Capital one will return my late fee in next couple of days, and its likely that CRAs will remove this negative.Â
Â
Will the 30 day late be removed from my account?
Â
Was the score bump because FICO didnt include Cap One becuse its disputed?Â
Â
Will they remove “Customer dispute this information” from commets once the investigation is complete? How long will it take to compelte the investigation?
Â
Thanks in advance
I have a couple of medical collections on my equifax report from MEDClear, Inc (Horsham, PA). The DOFD is 11/2006; the Date of Major Deliquincy Reported is 10/2008. None of them list the OC and my EOB’s don’t go back that far. Any advice on what to do? Should I dispute as not mine with CRA. I have no evidence these are mine. Any advice is appreciated. Thanks so much to all of you very wise people who offer such great support and knowledge.
My new Cap1 card reported on my equifax report today, got a score watch alert and my score went from 616 to 649! I’m so happy right now, just thought I had to tell someone. Thanks.
I guess this is just my way of holding myself accountable for repairing my own bad credit choices. I have spent a year or so half hardily repairing my credit, but for 2011 I have resolved that I will finally really push the FICO ball up the hill. So here it all is….
Â
January 2011 MyFico TU score 573 :smileysad:
2 credit card charge offs( Macy’s 5/2004 and BofA 9/2004) **BofA was paid with a settlement for more than half owed
3 cards with one 30 day late from 2009 (Jan on two of the cards, May on the third)
2 medical collections from 2010 (working on HIPPA process)
Â
*The rest of my accounts are all in good standing but the utilization is high.
Â
My equifax report is on its way later on this week…and I will update when I get it.
??? My question is can something that was disputed and removed by the CRA in the past…be put back on your report (without your knowledge) with a statement saying “consumer disputes this account information, collection account”
I had a collection item on my reports from this collection agency, it was due to fall off around 10/2012. I got an alert a few days ago from scorewatch that my fico score had increased, so i go to check my Equifax report and noticed that this collection item had been deleted 2 years early!!!! So i did a little research on this company and found out they filed for chapter 7 and are out of business. I knew something was fishy because i fought them for about 4 months straight about getting this collection deleted and they would not budge. Â Also, i have a public record from them showing because of this same account (everything was paid). Â My question is this………Is there a way i can get the public record removed since they are no longer in business, or is it impossible because these are court records? Any help is greatly appreciated. Thank you!
Hi Everyone,
Â
a couple of weeks ago I pulled all 3 annual credit reports. Today I got both of my FICO scores for Equifax (502) and TransUnion (474):womansad: and boy are they an embarrassment or what?! . Anyway, my equifax report is totally different from what I got here today, the score watch one says I have NO collection and only 2 years of credit history and 1 account! My original report says otherwise! I have 4 collections, 6 accounts and 6 years of credit history!
Â
I filed online disputes couple of weeks ago with all three CRAÂ (I lately found that wasn’t a good way to start) … So now that my equifax report is different in here I am not sure if it is possible that all my accounts are gone??? bad and good???
Â
My TransUnion info are exactly the same. So I am not sure why the huge difference between original equifax and score watch report! anyone please?
Â
Thanks in advance!
I’m so furious with 3 collection agencies. I have paid them off months ago, and on my experian and transunion report they have reported paid with no negative remarks, but on my equifax they wrote paid but changed the status to “120+ days late” this causes me to have delinquent accounts on my equifax report but they didn’t add those remarks to the experian and transunion reports. Is there a way I can get them to change this. I have called, but get no where, I have even tried to use the BBB but that didn’t work either. Is there anything else I can do to get them to correct the “120+ days late”. Mind you, they added this status once I paid them.