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 Posted: Tue Jan 23, 2007 11:09 am Subject: Equifax shows 15 mistakes |
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After pulling my report with Equifax, I found, atleast, 15 mistakes. I have inaccuracies on here that arent on the other Bureau reports? Does anyone find such a large variation in their report from Equifax? For Example, I have a student loan opened in 2000, paid off now, but Equifax shows no new updates since 2001.
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toohotnky
Joined: 10 Jan 2007
Posts: 18
Debtcc Points: 578
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| Posted: Tue Jan 23, 2007 11:21 am Subject: |
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Did you get your credit report from the annual credit report site? If you get your reports online, you should be able to "dispute all" directly from each agencies link. Everyone gets a free copy of all three bureaus credit reports once a year. Do NOT use freecreditreport.com. It's not free. The free one is www.annualcreditreport.com. That gives you a link to all three bureaus. I found weird address on mine that I've never heard of. And old cards that were paid off and closed, but showed as paid with available balances. Just by disputing all things on my report, my score went up about 30 points. Everyone should try it. 
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swedishgirl
Joined: 28 Sep 2006
Posts: 326
Debtcc Points: 3460
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| Posted: Tue Jan 23, 2007 11:24 am Subject: |
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I found old cards as well. I had tons of items not updated in 3 years. I ordered my report from MYFICO.COM I was amazed at all the inaccuracies compared to the other bureaus.
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toohotnky
Joined: 10 Jan 2007
Posts: 18
Debtcc Points: 578
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| Posted: Tue Jan 23, 2007 11:24 am Subject: |
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Credit bureaus report possible errors on the consumers' files because of handling too much info in their database. Though it's not normal, but it often happens.
Highlight the item you figured out is incorrect and dispute it with the bureau. They will check with the data furnishers and update your records. You will get the updated copy at your mailing address within 30 days.
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GunsNroses
Debt Samaritan
Joined: 08 Jun 2006
Posts: 495
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| Posted: Tue Jan 23, 2007 11:26 am Subject: |
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I made sure to dispute everything instantly. I just couldnt believe how the scores were so different, and the information was so innaccurate. Thanks for the replies!
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toohotnky
Joined: 10 Jan 2007
Posts: 18
Debtcc Points: 578
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| Posted: Tue Jan 23, 2007 11:44 am Subject: |
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For example, first charge off lowers the credit scores at the most. Any incorrect negative info on the file will put R 9 rating. This also hurts the scores very much. Since you have copies from the other bureaus, Equifax won't take long to fix your report. Every credit company / debt collector doesn't report information to all the bureaus. It is up to them to whom they want to report. That is why, there is such variation on the info provided to the bureaus.
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GunsNroses
Debt Samaritan
Joined: 08 Jun 2006
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| Posted: Tue Jan 23, 2007 11:51 am Subject: credit |
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Thanks Gunsand Roses for the very useful information. Thats something I sure didnt know. I thought everybody reported to all three of them. Makes sense why the scores are so different. KIYSIDE38
_________________
RYDERS OF THE NIGHT
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KYSIDE38
Joined: 19 Jun 2006
Posts: 2502
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| Posted: Tue Jan 23, 2007 11:58 am Subject: |
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I had noticed that only certain companies were reporting to certain bureaus. My Transunion has about 20 entries, good and bad, while my Experian only has about 5. Thanks for all the help.
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toohotnky
Joined: 10 Jan 2007
Posts: 18
Debtcc Points: 578
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| Posted: Wed Jan 24, 2007 3:23 pm Subject: Destroy Your Bad Credit! |
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Marketing post deleted as per forum rules. Please read TOS - Mike
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lsmithenterprise
Joined: 24 Jan 2007
Posts: 3
Debtcc Points: 103
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