credit card that had reported to Experian that I paid off, negatively showed up on my credit report with Experian and Equifax

Mr Oskie

Thank you for taking the time to review my correspondence.

I had a credit card that had reported to Experian that I paid off an account; however, they stated that I Settled the payment. Which in effect, this negatively showed up on my credit report with Experian and Equifax. The fact is that I paid the account off in full. I did not settle. When I contacted Experian, they started the dispute and they found out that Citibank reported, incorrectly. Experian removed it from my credit report; consequently, this raised my credit score with Experian by 100 points.

Now, I have noticed that the same Settlement was showing up on my December Equifax credit report. Of course, the seven years was up in January, and it automatically deleted from my Equifax report in January. However, my credit score is 75 points lower than Experian's credit score. Eventhough the same creditors, i'e Installment Loans and Revolving Credit, are on both bureaus' reports.

My question is: Since the Settlement perceivably, drastically lowered my credit score with Equifax, then the Settlement automatically dropped off of my report in January 2007, of course my credit score didnt automatically raise.....because in Equifax's mind, they believe that I had a Settlement in my credit history. Can I dispute my credit score with Equifax or can they retroactively remove the Settlement, which in turn will raise my credit score?


Thanks in advance!

REAL LIVE PERSON

Bo Majors
to Live Human
show details
Jan 18
none of this would be a fact.
your credit report must show something that is different to be that much lower. A charged up card a payement one day late. Something has to be different.

you are never penalized for something that is not currently on your report.