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So you’ve read about the “security-related” CRA(s) that lurk in the data-collection bushes, one of which can thwart our efforts with select lenders and undermine our hard work on the B* Battlefield. If you’re not familiar with ARS, it has been mentioned in a couple of threads recently, but both of those recent threads offer links to older ones with more details to chew: From 2009 -- http://creditboards.com/forums/index.php?showtopic=405187 From 2007 -- http://creditboards.com/forums/index.php?showtopic=239752 I received my ARS report in today’s mail. While it isn’t a total disaster, I did notice something interesting…it lists the apps I submitted in December that never even resulted in a HP, because I had 2 of 3 CRAs on ice. Yep. It’s the Un-B*-Anti-Freeze CRA. It’s like Superman’s x-ray vision for your underwriter. In case that detail hadn't been mentioned before, I wanted to add to the available info on this near-stealth operation.
In April of 2013 I paid off my auto loan in full. In January 2014 I requested my credit report by mail. When I received my Equifax report, everything seemed to be in order. However, from May 2013 to December 2013 it has my loan listed as "No Data Available". Does this mean that they assume that I still have the loan? Shouldn't it had stopped at April or something? I tried asking this question to people online but everyone misunderstands me. They think that I'm asking why the loan is on my report if it's been paid. That is NOT what I'm asking. I get that things stay on your report for X amount of years. What I'm asking about are those months AFTER I had paid off my loan. The months in which I had no bills or payments because it had already been paid in full.