Hi..
Ok I need some help, and if yoou can't help me could you refer me to someone who can?
Two yers ago I ran off my credit reports and I have this credit card, that my husband and I have had for at least 3 years. Well it was on there, reported to the agencies.
So a few months ago I ran it off again and it wasn't on there at all. None of the agencies. AFter I disputed some stuff with the two (trans and equifax) i got an updated one and its not on there. haven't checked experian yet.
Also, about these accounts i inquired from you earlier...Trans Union is reporting the date closed for both of these accounts in 2000, and Equifax is reporting both of those accounts closed for 2002.
Equifax is going off of the date that i paid them and settled the debt, but Transunion is just going off of the date the account is closed...
Transunion told me equifax shold be reporting from the date the acct was closed eithe rfrom the creditor OR by me and that its being reported incorrectly.
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Call the credit card company and ask them if they are reporting your account
to the bureaus and if so which ones. Dispute the account with equifax saying account reported in error and include a copy of the correctly reported report with the account in question circled as evidence.
Use the free universal dispute form on my website
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Monday, July 31, 2006
Credit Card account missing, reported differently between bureaus
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