CA never even contacted OC for verified accts
Date: Mon, 06/01/2009 - 23:32
I read from site regulary but have never posted, however, I've been googling for hours looking for a solution or adive for my situation and I'm frustrated....
I have been unable to figure out how EQ can "verify" medical accts I know were in a 2003 BK. TU deleted and Experian disputes still pending. TU score is 610, Exp not far behind and EQ is 490 something!! EQ never changes. I'm trying to buy the house and EQ score is really going to hinder that possiblity.
So Merchants Cred and Audit & Adjustment did not respond to DV. CRA have not responded to MOV request....I am running out of patience so I called the OC today to ask what the heck they were doing and was told that niether Merchants Cred Coll nor Audit & Adjustment (whom they do use) have contacted them regarding any of my accounts. SO that tells me that both Merchants Credit & Coll AND Audit & Adjustment are verifying/validating to EQ without ever even have really checked....what to do?? This really upsets me.
FYI: My spouse and I are victims of 2007 ID theft as well. FTC complaints, police reports and fraud alerts place at all 3 CRA (for whatever good they do, 3 people have been able to our check credit with alerts on and no one contacted us to check like they are supposed to).
This is a really bad joke right??
First of all, if the medical accounts were listed under bankrupt
First of all, if the medical accounts were listed under bankruptcy in 2003, you cannot get it removed before 2010 from your EQ report. Secondly, the creditors generally consider the middle credit score and so if you have good scores with the other two bureaus, your creditworthiness may not be affected only because of the EQ report.
First of all, medical accounts are to be deleted. Med info is a
First of all, medical accounts are to be deleted. Med info is a need to know and must have business relationship/reason to keep protected info on report. Secondly, my top score is fine, my mid score is a mere 6-7 pts under the 620 I need. I give up on EQ. They have verified EVERYTHING while the other 2 have deleted the very same accounts. It's frustrating.
Seems to me like someone just runs disputes into a machine and it's the luck of the draw after that. Bummer....
Not sure what you mean by medical accounts are to be deleted. A
Not sure what you mean by medical accounts are to be deleted. As long as they don't violate HIPPA, they can stay 7.5 years.
It is a HIPAA violation to have paid medical (BK or not) listing
It is a HIPAA violation to have paid medical (BK or not) listings on credit report as there is no business need to be there.
If I am mistaken, we need to alert the bureaus because I have ha
If I am mistaken, we need to alert the bureaus because I have had so many items deleted that my score increased 100+ in 3 months....yes, it was very low.