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I was looking at my credit reports today, and I noticed something odd on my EQ report. My date of birth has the wrong month. I was born in October (10) and EQ has my birth month as January (01). It is clear what happened, whoever input my data simply transposed the digits, turning a 10 into a 01.
That being said, it might also not be that simple of an error. Perhaps there is a tradeline that has January (wrong month) in my DOB and EQ updated my information on that tradeline's reported DOB.
Either way, this seems like an opportunity. Correct me if I am wrong, but if tradelines are disputed based on a "not mine" approach, could a mismatch in DOB be significant?
A few weeks ago I started the initial dispute process for 3 medical collections that I discovered on my CBR from 2009 and 2013. Although I have not received an official response via mail from TU, I just logged in to my Credit Karma account and saw that one collection (reported by Central Financial Control) was updated on 12-26-14 as CLOSED. At this point, should I patiently wait for the mailed response to my dispute from TU or should I proceed with the next step and send the dispute letter to Central Financial Control now?
I know for a fact the account reported by CFC is invalid because a totally different CA is reporting the same account on both EQ and EX. Any advice will be appreciated!!
I have an account open with Portfolio Recovery Associates from 2012 that I have been disputing and I just noticed it's reporting as a revolving account but says it's collection in the comments with Equifax- is this allowed? The report says I have 0 accounts in collection so I know it's not registering as a collection but I didn't think CA could identify as a revolving account?
It's a small amount from Capital One that quite honestly, I don't remember being associated with. They offered me a settlement but I turned it down. I was going to attempt for a PFD but wanted to check if this is grounds for a dispute first.
PORTFOLIO RECOVERY A Company/Account Name: PORTFOLIO RECOVERY A Company Address/Phone: Riverside Commerce Center
120 Corporate Blvd Ste 100
Norfolk, VA 235024962
Account Number: XXXXXXXXXXXXXXXXXX Date Opened: 06/20/2014 Last Activity: N/A First Delinquency: 09/2012 Type: Revolving Rate/Status: High Credit: $581 Terms: N/A Balance: $581 Past Due: $581 Most Recent Date Reported: 11/06/2014 Comments on Account: Consumer disputes after resolution,
Hi, I sent in a dispute to Experian in late October, they responded quickly that they had "re-investigated" and verified the two items in my dispute letter. Ummmm...ok, but there were several more items that I disputed in that same letter that they don't even mention. My 30 days is up. Should I send in another letter to Experian stating that they did not properly process my dispute and to remove all disputed line items? Do I stand a chance? LOL that would be way too sweet ;-)
My DW seems to have been dropped from the Equifax Choppage block. She was not chopped in September, and now again not chopped in October. Presently, she is pulling both EIDT and Alert Plus and just B* today an inquiry dated 9/23/14 on her second pull of the day which makes sense being around 42.5 days ago.
Has anyone else had the experience of getting off the choppage list? Should she stop pulling twice a day and go down to just one puller, EIDT? She did back door twice in September to confirm no choppage, but has not since.