Credit Card account missing, reported differently between bureaus

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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How does updated reporting of bad debt work? One of our creditors

Bo
Wow, even after researching my dh's and I's credit for several years now, I have learned more on your site than I thought I could know.
Thank you!
Here is my question...
How does updated reporting of bad debt work? One of our creditors continually reports our bad debt. It was a bank chargeoff that does note in our report that we paid after chargeoff and collection, however their reporting is listed as being reported every month - recently ITEM LAST REPORTED at Transunion was June 30, 2006! It unfortunately does not show the date of that payoff, nor the date of last activity with them. It only shows that the account was opened in March 2001 (which is not correct, that is simply the date the collection of the account was started). I believe this debt was paid off in 2001 or 2002.
Thanks for reviewing this for me!

Sincerely, REAL PERSON
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I think credit reports have different ways of showing results depending on
which website or which bureau is pulled. Each data entry SHOULD show a "DATE OF LAST ACTIVITY" which is different than date of last update or reporting by the creditor.
I would want to clarify this point of contention with a dispute form marking account status incorrect. Then state what the account status SHOULD show and see what happens with your dispute.
If this does not help at all put a 50-100 word attachment on your credit file stating your case. This will not help your credit score but will help creditors with correctly reading your credit report. The file should show 0 balance owed if it was a charge off, but if the account is 4 years old it should not affect your credit a whole lot if your have open good credit right now. The 2 years back from todays date has the most weight on a credit report.
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check your credit first to see is you are a good candidate for there credit cards so does this hurt my credit everytime a company does this check

Quoting REAL PERSON realperson@Comcast.net>:
I know that buy canceling a credit card it dings you credit score but what about all those credit card offer for credit card you we get in the mail. I am assuming that the companies check your credit first to see is you are a good candidate for there credit cards so does this hurt my credit everytime a company does this check
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No it does not.
They do not check your credit before they send out the offers. The offers imply your credit has been checked and approved but that is not the case. What happens is the bureau provide lists that have people in groups of positive score ranges. Because the scores change everyday in some cases, each credit has to be checked with an application. So you may get a pre approved card but get turned down when you send in the application.
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raise my Credit Score from 586 to 650 or more in 2 months

Quoting REAL PERSON realperson@hotmail.com>:

Bo,
Need to raise my Credit Score from 586 to 650 or more in 2 months. Have contacted all 3 credit bureaus online and got my FREE online reports to "dispute" what I needed to, but all the responses are merely stating the creditors are in "conformity guidelines" of the FCRA. I did NOT submit any written requests, but was wondering if I would get best results by doing so or just callilng them?
Also, If I pay off a "collection" account or bad debt turned over to "collection agency" then will my score go up right away or not? Does your Credit Score go up at all after a BK (i.e. Ch. 7) is removed after 10 years listing (i.e. my 1st BK of 2 is scheduled to come off in Sept/Oct of this year).? Final question,
How much do you charge to clean up my credit?
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You are supposed to be able to get a free report at annualcreditreport.com
I could not get mine. You mail a letter and ask for one. I find it easier to use the online freebies....sign up for credit monitoring and get all three reports and score here....then cancel before 30 days....
It depends on the collection....sometimes the score will go up for owing less money...sometimes it will drop because you have a new, more recent date of last activity.....if it is real old it will probably not help to pay... I suspect it is more than one collection and possibly something fairly new, late, or more than 80% owed against high credit limit....
The chapter 7 drop should help 20 points or so...
I do not charge for anything...its free
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how long does it take for my credit score to reflect a paid off or paid down credit card

Quoting REAL PERSON realperson@rr.firstallied.com>:
Bo, how long does it take for my credit score to reflect a paid off or paid down credit card?
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1 week to 1 month..depending on the speed of the reporting creditor...
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credit cards, keep your loan balances below 80% of their total

REAL PERSON@yahoo.com>:
Hi,
I saw on your advice site that you should keep your loan balances below 80% of their total. I assume this theory applies to credit cards, too, yes? Also, is there any reason to keep an inactive credit card open? Will it help my credit to close the credit cards that I don't use (mostly store-type ccs).
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Yes the theory applies to credit card balances also. Even more so. Inactive credit cards can hurt a credit rating if you have a whole lot. The Sears, Lowes, Dillards cards hurtthe most in that they look like local finance company credit. Most people with good money skills will use a regualr Visa, Mastercard, Amex to buy from these companies.
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What should I do to get judgment off my credit that is inactive

Quoting REAL PERSON
I had a judgment against me but before it went to court I paid the money owed .I tried to get a loan and they said that I have a judgment on my credit that is inactive .I called the court and they said is was released and satisfied that for some reason it still shows up inactive. What should I do to get this off or corrected
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Use the free dispute form.....
say status in error no judgement.....
talk to the court and explain what you are doing...
http://www.oskie.com/credit-dispute.htm
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eviction on me, judgement listed against me in the apartment favor

Quoting REAL PERSON
Dear Sir,
I noticed that you said that matters of law cannot be removed from your credit report, but I have a question regarding if I have a case on a matter that affected me a couple of years ago.
I moved into an apartment complex in April 2004, June I was injured while at work when I stepped off a curb and severely hurt my ankle. When you are working a job as a new car salesman in a 100% commission sales position, if you are injured you cannot work.
Anyway, I approached my apartment complex and let them know that I would probably be a little late with my rent because my sales were impacted because of my injury and the economy was tough enough as it was and people were just not buying new cars hardly.
They filed for eviction on me, I received a letter from the County Courts telling me that the complex filed on me. Furious, I confronted the management and they told me if I moved out of my apartment before the date on the letter then there won't be any consequences.
I moved out after trying unsuccessfully to come up with the money so I would not have to move. I recently got my credit report and I found two things that really made me go ballistic. #1 The county has a sort of judgement listed against me in the apartment favor. #2 After being in the apartments for barely two months and they made me move, they are requesting I owe them almost $3,000.00.
This is just wrong deceitful and down right scandalous, you mean to tell me there is nothing I can do? I was victimized and lied to. I like to know am I screwed, can the FTC intervene here or is there a way an attorney can fight this for me.
Regards,
REAL PERSON
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This is the typical lease aggreement consequences....
All I can say is you are obligated to pay them under the terms of the lease and by law they can do just as you have stated. If you pay them or get back in they would take the item off your credit I think.
Sorry I can not be of more help
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Transunion keeps asking me to give them a file # when I call

Quoting REAL PERSON
Transunion keeps asking me to give them a file # when I call. I ordered my report online and I do not see a file# anywhere. I also need this file # to dispute information.
This is very frustrating!!
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You need a file number to talk to a real person....
You should not need a file number to use my free universal dispute form
http://www.oskie.com/credit-dispute.htm
I think TU has a online dipute form ..... you do not need a file # there
either...i think.....
they want the file number to market buying the report directly from them
rather than a third party TU report.....
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United Airlines, Chase credit card. show 90 days late on my credit

I have a United Airlines, Chase credit card. They sent me a solicitation for another one and I would get enough miles for a free round trip ticket so I think I agreed. But when it came I did not use it, because I thought I did not want the hassle of another card. I have the original paper and cards that came with it. Instead I decided to order a card in my son's name and I think my husbands for them to use, but it came with the new account number, which I did not want, and I did not realize it until my son said his card did not work. I called Chase to see why it did not work when I know the account was paid and that is when I realized what happened. They told me they have never received one payment since the account opened. I told them I was unaware of the account being opened because I had changed my mind and thought it was not being used. No one ever called and didn't they think it was odd that I never made one payment when my other account is paid on time every month? I did not pay attention to the statements, which I only have one out of the three months, because I look at my purchases and make all my payments on line which they could verify .They told me it is going to show 90 days late on my credit.
I was very upset and we were leaving on vacation, so I paid the whole balance right then on the phone, which was $6000.00 to stop it and now that I am back and I want to get this off my report. I have not looked at my credit report for awhile, so I in fact do not know what has been reported.
We were victims of identity theft 7 years ago and it was still going on until a couple of years ago. We still have a couple of negatives from that which we were not able to get off. So I do not need any thing new. Prior to that our credit score was around 800.
Can you give me some ideas?
Thanks. REAL PERSON
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The best thing I know is what you have already done bargain with chase....
One other idea is to place a 50-100 word explanation on your credit report for the lates....Just state your case so when someone pulls your report they can see what happened without an explanation from you on the spot...
Just write the letter and mail it to all three bureaus asking for attachment...

Remember that after 2 years pass the lates will not affect you as bad...I would pull my report and see what it looks like though.....If you are 90 days late it will also show 30 days late and possibly more than 1 time 30 days late.......

One might bargain to have ONE or 2 of the lates removed....or after a period of time have them all removed since credit cards normally only report for 24 months....I would keep the credit line open though...the first re action is to close the account....it actually looks better to get some CLEAN TIME after the lates.....it also keeps the credit company invested in your business.....

hope this helps....
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Quoting realperson@aol.com:

Hi Bo:
I can't believe it I took your advice I begged chase to take the late payment off my credit report and to my surprise they DID! It was an amazing feeling, my loan officer is going to proceed with the finance and all looks good! Thank you for replying to my e mail
REAL PERSON
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Thank YOU for letting me know that I can help people from time to time...
Always remember to stay humble but diligent and things might work out...
you did the work and deserve the credit....
way to go.....
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matters of law cannot be removed from your credit report

Quoting REAL PERSON :
Dear Sir,
I noticed that you said that matters of law cannot be removed from your credit report, but I have a question regarding if I have a case on a matter that affected me a couple of years ago.
I moved into an apartment complex in April 2004, June I was injured while at work when I stepped off a curb and severely hurt my ankle. When you are working a job as a new car salesman in a 100% commission sales position, if you are injured you cannot work.
Anyway, I approached my apartment complex and let them know that I would probably be a little late with my rent because my sales were impacted because of my injury and the economy was tough enough as it was and people were just not buying new cars hardly.
They filed for eviction on me, I received a letter from the County Courts telling me that the complex filed on me. Furious, I confronted the management and they told me if I moved out of my apartment before the date on the letter then there won't be any consequences.
I moved out after trying unsuccessfully to come up with the money so I would not have to move. I recently got my credit report and I found two things that really made me go ballistic. #1 The county has a sort of judgement listed against me in the apartment favor. #2 After being in the apartments for barely two months and they made me move, they are requesting I owe them almost $3,000.00.
This is just wrong deceitful and down right scandalous, you mean to tell me there is nothing I can do? I was victimized and lied to. I like to know am I screwed, can the FTC intervene here or is there a way an attorney can fight this for me.
Regards, REAL PERSON
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This is the typical lease aggreement consequences....
All I can say is you are obligated to pay them under the terms of the lease and by law they can do just as you have stated. If you pay them or get back in they would take the item off your credit I think.
Sorry I can not be of more help
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My goal was to refinance my house

Quoting realperson.com:

Hello Bo:
My past credit history isn't the best, because of a bad relationship several years back my credit score went downhill mainly because I couldn't afford to make the payments on time. My credit score 2 yrs ago was in the low 500's. Two years ago I was able to buy a house, my financial situation improved, I been paying all my bills thru automatic bill pay thru my bank. Everything was going good! My goal was to refinance my house in June of 2006 ( I bought in 2004) my credit score went up to 640 and getting better all the time. I wasn't making ONE late payment!
About 6 months ago. My mortgage company sold my loan to CHASE mortgage. I mailed the first few payments on time. UNTIL! because I was determined to pay my bills on time I decided to enroll in CHASE'S automatic deduction payment service. I HAD NO IDEA THAT WAS GOING TO BACKFIRE ON ME! I sent all the forms to CHASE, next thing I knew I was a month behind.
THEY DID NOT INFORM ME THAT IT TOOK THEM 45 days to process my enrollment! The
> money was in the bank for them to take when the payment was due I WAS IN EUROPE FOR 15 DAYS and when I came back I got a call saying that I was a month late and that they were going to report it to the credit bureau. ( I immediately paid the outstanding balance for 2 months) I DIDN'T NOT RECEIVED A PHONE CALL OR A LETTER OR E MAIL telling me how long it took. I am a university student and I had planned to use the refinancing money to go to dentistry school very expensive!! I have been waiting until now JUNE 2006 to do this.
and precisely THIS MONTH! my credit score went down to 590 because of this! I was shocked my loan officer informed me that he cannot qualify me for the loan that I so desperately needed. I am in a state of shock! My future depended on this. I had plenty of money in my account at the time ( when I was out of the country) so making the payment wasn't a problem at all. What can I do about this problem. All I wanted was to make my payments on time, had I known this was going to happen I wouldn't have never let them (CHASE) screw me up like this.
Can you please offer any advise to me? like i said my future depends on it! thank you so much
REAL PERSON
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This is something that can only be remedied through Chase....
It sounds like you exhausted all avenues with Chase already.....
Try to reason with them again....
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I have a bad credit score 600 I hire lex law firm in November of 2005 to clean it up

Bo
Thank you for taking the time to read this and offer your help. I have a bad credit score 600 I hire lex law firm in November of 2005 to clean it up. Nothing has changed I paid my mortgage on time and just went to get a refinance and now my credit score is 580. This is after 8 months with Lex Law firm and many things are not supposed to be on there. I thought by hiring lex law firm that I was takign the right steps but credit score has actually went down. The people at lex law firm told me that many of the banks I just went to wells fargo use old credit reports. They said that info is more then likely at least 3 months old. Can this be true that the when banks run your credit check the information they get is at least 1 to 3 months old this answer made not sense with me. I have been paying these people to clean up my score for 8 months and now it is actually down. What can be done?
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I am not sure without seeing everything on your credit file and knowing what they might have worked on.....I do know that one can do most things without paying for a credit repair company but other might need the expertise to get stuff done.....stuff done.....I would wonder if you have not possibly had a late payment or a few inquiries or gone further indebt on an existing account. All three will make your score go down some.....30 points is not a huge fall.....SO I would hope lex law was of some help but one mus remember just because we pay someone money does not mean our credit will get better.....some accounts cannot be changed, removed or updated no matter who works on it....yes it can be true..
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I still have things on my credit report that are reported as a right off. That I paid with a loan from 99 I have the payout sheet from the mortgage company the account number even match. I would think things like this are correctable? IT is not only not true but have been paid off since 99 and I have the closeout from the mortgage company to prove it.
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If it is marked 99 it should fall off this year anyway
write offs or charge offs still show as bad credit but paid....the account should reflect paid but at this point it will fall off soon i would expect....of course the date of last activity should aslo show 99...

I would suspect something far greater to be of detrement than this account since scores are weighted more towrds the previous 2 years of credit activity....I would not think this account would have much beraing at this point...something more must be wrong....
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debt 80% rule = an average across all trade lines? or 80% rule on "each" individual trade line

Your credit website info is fantastic! Thank you for posting this info. I'm 40...
and never knew about the 80% rule.
Do you know if the major component of the 80% rule is:

1. an average across all trade lines? or
2. 80% rule on "each" individual trade line?

It's probably both...but is the larger component an "avg across all trade lines"?
Thank you.
REAL PERSON
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The rule is for each trade line...
Not the average of all trade lines.
thanks for the compliment.
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disputed and disputed charges on my credit report and it still there

Quoting REAL PERSON
Hi Bo, I have disputed and disputed charges on my credit report and it still is there. I am fully aware that they are supposed to remove it in 30 days. However that has not ever happened what am I doing wrong?

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From: Bobo Majors [mailto:majors@oskie.com]
Sent: Tuesday, May 09, 2006 1:30 PM
To: REAL PERSON

The question I would ask IS: Are they accurate? If so just disputing will not remove credit files they must be in error or maybe mistaken or old. What is the situation?
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They are not mine and were done in states that I have never lived or been to
in my life.
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Well I would:
1. Make sure my disputes were mailed confirmation delivery.
2. Make sure I included detailed personal information. ie. copy of ss card,
drivers license, phone bill, insurance card.
3. Keep copies and send the copies to the BBB
4. Keep copies and send them to the FTC
5. If they are being removed then placed back on later. Which I suspect. I
would place and credit fraud warning on my account regarding thos accounts and
any new credit inqiries.
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All 3 bureaus are reporting that my client is deceased

Quoting REAL PERSON

HELP, I'm not dead. . .All 3 bureaus are reporting that my client is deceased. What is fastest and easiest way to clear this up?
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Send in a letter explaining your situtation in detail.
include a copy of:
social security card
birth certificate
drivers license
any type of other document including:
recent tax form
marriage license
insurance card

send it to all 3 bureaus by cerified priority mail
do not try to call them

here are the addresses
waste of time

Trans Union
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493

Experian
P.O. Box 2104
Allen, TX 75013-2104
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Credit Help: Why do I have no beacon credit score?

I just tried to finance a vehicle, and the bank said that I have no Beacon score (I believe it returned as “no score available”). I thought it was a fluke and went to my credit union an they said it came back the same way. They all said that they had never seen this before. Have you ever run across this? What can I do about it?
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no beacon score is VERY COMMON
most of the time a person is only 18-20 years old and never borrowed money.
all other no scores come from not using credit in the past 2 years
either way it will show no score
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Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one

Quoting REAL PERSON

> Hi Bo my lowest score is a 529, I figure if I work on bring up the lowest one, the other 2 will be raised simultaneously. Most of the accounts in question are listed with all 3 agencies. My problem is collection accounts and credit card charge off. How do I determine which accounts to pay off first and therefore will raise my credit score the most. Listed are the accounts in question. Please advice in what order I should settle these accounts and if possible how many points I can expect my score to be raised by paying off the account.
Collection account- opened Oct. 2005 balance $302.00
Collection account- opened Aug 2005 balance $1137.00- this account reappeared on my credit report after removed (old credit card)
Collection account-opened Dec 2003 balance $430.00
Collection account- opened Feb 2005 balance $628.00
Returned check-opened 5/2000 balance $102.00(past due $127.00) identity theft. This account is also listed on another line as lost or stolen with zero bal.
Installment account (loan) opened Jan 2005 balance $360.00(past due$384)
Credit Card account- opened Dec 2004 balance $419.00
Credit Card account- opened Dec 2004 charged off balance $0.00
Collection account-opened Aug 2004 balance $34.00
Collection account opened Jul 2002 balance $2046.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $403.00
Per Credit Report account type unknown (credit extension, review, or collection) opened May 2001 balance $55.00
Credit Card account- opened April 2004 balance $509.00
Collection account- opened May 2005 balance $321.00
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dispute the 2001 and older stuuf first
only dispute 4 at a time

negotiate with the other collections to have them removed totally if you pay
in full + fees

if they will not paying will not help your score much
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THREE YEARS TO GET MY INQUIY OFF MY CREDIT REPORT

Quoting REAL PERSON
I BEEN WORKING FOR THREE YEARS TO GET MY INQUIY OFF MY CREDIT REPORT WHEN I HAVENT APPLY FOR ANYTHING. HOW DO I GET THEM OFF MY CREDIT REPORT I PUT A CREDIT FREEZZE ON MY REPORT. HOW DO I GET HOSTIAL BILL OFF MY REPORT WHEN MY INSURANCE PAYED THEM AND I SEND THEM COPY OF IT.THERE ARE SOME BILLS ON THERE THAT ARE TOO OLD HOW DO THEY TAKE THEM OFF THERE SOME FROM 1999......

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use my free dispute form
www.oskie.com/credit-dispute.htm
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Would it be in my best interest to accept all these cards?

Hello there, I don't know if you remember me but we had a few correspondences a few weeks back. My credit score turned out to be 670 and you recommended that I establish a bit more credit since all I had on my record was Student Loan, Capital One Card and a Dell Computer Account. Well, low and behold I got accepted to quit a few cards. (Walmart, Target, Chevron, Master Card and Zales) Which leads me to my question, if you don't mind my asking. Would it be in my best interest to accept all these cards? Spend a few bucks on them, pay it off right away and then put the card away? Would this hurt or help my cause of upping my credit score? Since I need more credit experience on my record, should I get as much as I can or just a few more??
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the best thing to do would be keep the master card and chevron card.
I would loose the others.
then I would charge stuf on those cards and pay them off the next month and
the gas car pay extra each month to you have a higher credit limti in 12
months. you must keep the card open for at least 12 months to have a rated trade line to get more good credit
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