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LadyLuck16

Everything disappeared off equifax report ?

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Trying to figure what may have happened and if my accounts will reappear. I sent in a dispute on 1 account and now when I check my equifax report ,everything has been deleted off my report except 2 fairly new positive trade lines. How do I get this fixed as quickly as possible ?

 

I'll be applying for a mortgage in about 3 months and my entire credit history is basically gone (the good and the bad) ?!

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I am not sure I understand you correctly.... How many TL did you dispute? Did you only dispute one TL but the deleted others? Can you please clarify? How old was the TL that was removed? If they are older than you newer accounts. Yes, it can be bad.

 

For example. I have seen people with CR's that had a negative 6 years old and all of their new TL 3 years old. When the older TL was removed EVEN tho it was negative. There score did drop!

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I only disputed 1 account ........ but equifax removed EVERYHING off my file. None of the other accounts were disputed . My mortgage account and everything is gone . They were all current TL's that ranged from 6 years to current

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you have an old copy of your reports?

 

and access to the online dispute?

 

upload a copy of your old report, showing the missing tradelines .circled in red, and a letter asking why those were deleted.

 

state that your dispute is with EQ for deleting said tradelines. when they were never disputed.

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Yep... that is what I was going to say! Split File! I hope you have a previous copy! This happens to me a lot!

 

 

It's keeps happening to you ? 😩 How long does it typically take you to get it fixed and do you have to restart your dispute process each time it happens ?

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Same thing happened with my TU report. Lost 2 credit cards off of my report when they changed to the new Fico I believe, however they all show up great on DH credit report. Go figure!

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