Report dispute question

Welcome to the forum. Your posts will get noticed and answered by some of the most miraculous people you would ever want to meet.
Now to answer your questions...........
Dispute with all three bureaus. If you want the bureaus to show non deraguatory then dispute that as well.


good luck to you

Any derogatory mark stays on your credit report for 7 years, even if it is paid in full. Hence the account is supposed to be updated as paid collection.

You have to dispute it with all the bureaus because separately.

Thank you.

I got my disputes back from Equifax and them jerk offs from HSBC reported my hubby card as charge off when it is consolidation and reported charge off again in March. I disputed it with the explanation that the card is in consolidation and has had ontime payments. Equifax is leaving it as a charge off, and didn't not change the status. Can they do this?

I disputed the same accounts with Transunion and they completely deleted them from the report.

Now on the Equifax investigative pages it has the option to say "this account was paid before collection". I believe that nobody can verify this account, that's why it was resolved in less than one day. Would it be advisable to dispute the Equifax again and see if it's compeltely deleted?

You can redispute your file with the bureau. I have used the following letter and it has worked. :D

From: (Your Name)
TO:Consumer RelationsCredit Reporting AgencyAddressCity, State, Zip Code
Subject: Dispute of Credit Report

Please review the following inaccurate items listed on my (our) credit report.

In accordance with the Fair Credit Reporting Act, I understand you will check each item with the creditors listed and remove any item which cannot be verified.
I further understand you will reinvestigate and reply to my request within 30 days.

Sincerely,
SignatureName
SSN__________
Address

How can HSBC be reporting charge off when account is in consolidation. Are they just that thoughtless?

Tammy, collect documentation from your counselor that HSBC has been accepting payment. Then attach the copies with your dispute letter. Also give an explanation in your own word as suggested by kalevala. Hope it will work this time.

Charged-off status might not be removed from your report, probably it will be updated as paid charged-off.

I redisputed the accounts and Equifax just deleted them competely from my report. My score went up about 100 points to 670. Thanks for all your help.

Congratulations :D

Keep visiting forum for more information. Have you visited the topic how to raise credit score?

http://www.debtconsolidationcare.com/forums/raising-score.html

Why is it that Equifax reports a higher score for me than transunion. And who determines what your middle score is going to be.

Your score from Equifax is using a Fico scoring model.Please go to http://www.myfico.com/ for pulling your true credit scores. Most lenders use your middle fico score.