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I have a late payments from a mortgage only showing on my transaction.


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I have an account from Ocwen ( mortgage company )that have late payments from 3 years ago. the account is closed and paid in full but I have massive amount of late payments  I been disputing this account for a year it finally The account was deleted from my Equifax report bringing that score up to 807. My fingers are crossed because my Experian have 3 more days to get deleted. But my TransUnion was updated as accurate leaving my score 709.

 

My question is> If I dispute the TransUnion account again will Experian and Equifax update showing late payments again?  I think this happened in the past but I not sure.  

 

Right now Im Exp. 800 Equifax 807 and Transuntion 709

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In the past this particular account wasn't reporting negatively on my Experian and when I disputed it on my Transunion report the data furnisher re-reported it to my Experian report.

Now I just did disputed. the account with the big 3 bureaus and this account dropped totally of my Equifax report. A few days to go on my Experian however my Transunion wasn't changed. Im scared to re-dispute.  Because I think i'm okay because Mortgage companies use the middle score and I can try to strategically apply for credit cards that don't use Transunion. This is hard to do living in PA. 

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I might just leave it alone.

And as you say push lenders to pull EQ.

If it comes off EX push lenders to pull EX as well.

Most lenders like to pull EX>

I currently have fairly clean EQ and TU so I use those cras.

When this chargeoff drops from EX I will then push it.

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15 hours ago, polarbear777 said:

I have an account from Ocwen ( mortgage company )that have late payments from 3 years ago. the account is closed and paid in full but I have massive amount of late payments  I been disputing this account for a year it finally The account was deleted from my Equifax report bringing that score up to 807. My fingers are crossed because my Experian have 3 more days to get deleted. But my TransUnion was updated as accurate leaving my score 709.

 

My question is> If I dispute the TransUnion account again will Experian and Equifax update showing late payments again?  I think this happened in the past but I not sure.  

 

Right now Im Exp. 800 Equifax 807 and Transuntion 709

where are you getting those scores?

 

what means have you used to dispute the tradelines and on what basis did you dispute them?

 

how does it report to IDS?

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The score are my FICO_8 scores Experian 800 Equifax is 807 and my Transunion is 709

 

I disputed the account as not mine. The tradeline came off my Equifax. My Experian seems it about to delete because it has been 28 days and no update yet. Transunion report is the only one that didn't change. 

 

I dont know what IDs stand for 

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