Why can 1 credit bureau delete an item & not the other C             Click here to Print



#dale - Says,

Why will one credit bureau delete an item and another credit bureau not delete the item? What is the best thing to do when this happens?
#fireyone - Says,

You would think that they all should. If it is a recent fall off maybe the other ones just haven't taken it off yet. This will be of interest to me in the future so hope you don't mind if I keep an eye on this post.. Hope all clears for you soon.
#goodnatured - Says,

If you see something fall off one and stay on the other, look at the report and see what the date is that it is supposed to be off the report, if the date has past write a letter to the reporting agency and they should honor the drop off for you. goodluck.
#Dale - Says,

The particular item that was deleted came about when I disputed it. TransUnion deleted it. But it's still on Experion. I'm not sure about EquiFax.

Thanks!

#goodnatured - Says,

I don't know why it would be so different from one company to the next, I find that strange that one would honor it and not the other. I think if one did they all should. crazy, maybe give it some time and try again.

dale, why don't you register on this site, that way your questions would build up points and then you could cash them out?

#Morningstar - Says,

Three scenarios come to mind, but it is not strange at all...they are different companies.

-The creditor/CA no longer report to TU

-The creditor/CA did not respond to the request for verification in a timely manner to TU, but did properly respond to Exp

-Exp failed to verify info, but illegally retained the info on the report

#fireyone - Says,

So what does that leave a person to do?
#Morningstar - Says,

You can try to dispute for a different reason, send an intent to sue letter, or maybe file a complaint with the FTC.

If the entry is legitimate, then a person may very well be stuck with it. One credit bureau is not the same as another; a removal from one credit report is not, in and of itself, a reason for another credit bureau to delete.

#scott - Says,

Dispute it
#sdchargers_63 - Says,

A similiar thing happened to me ( TOO STRANGE!!). I had a outstanding debt 'fall off' with ALL of the CB's. I 'disputed' the debt with only ONE CB. The CB, I 'disputed' this with, removed the debt. However.....on the other 2 CB's, the debt was still there. I din't know I had to 'dispute' this with ALL of the CB's. Boy.....what a process!!
#Laura - Says,

This is not STRANGE after all. Each bureau works on its own. The discrepancies occur due to reporting errors mainly. Your creditors do not report to all the bureaus. So when you check your report, mark the items that are not on all the three. The status of those items make a difference in your score from the three bureaus.

The probable points are mentioned by Morningstar already. So this is not new or strange, this is how the system works. You have to be familiar with it.

#fireyone - Says,

I also did not know all three bureaus were not working side by side. I like everyone else thought if it fell off one it would fall off the other. Thanks for the info guys, now I am going to check the other ones just to be sure they all are OK.
#sdchargers_63 - Says,

Yeah.., I din't know all the CB's worked 'seperately', either. MM...this explains alot of things (for me, anyway).
#fireyone - Says,

I think that them working seperatly is for the better. That way if one does have your credit messed up there are still two other ones to rely on. Now that doesn't mean a person should not try to correct errors on their report.
#Richard - Says,

They are supposed to be working together. Like when they introduced the vantage score, it was a joint effort. However in cases like reporting and fico calculation there are differences.
#sdchargers_63 - Says,

Ok..this does make sense. Knowing I MAY have a better score, by ONE CB, than..perhaps...the other TWO, does make me feel a bit better!! LOL
#carol - Says,

Make sure all the CB's record good score for you. If you are working with a lender who works with another CB which reports a lower score, you might just get stuck there. It is really very important to to ensure the validity of all the reports.
#charles.armbruster - Says,

Continuous quarterly review of your CB report will alert you to any fraud or theft incidents. And, speaking with a credit management professional will always help. This community is great -- you can ask questions and get some direction. However, researching the wealth of information out there can be tough!

Try to be as specific as possible with your facts when asking questions, too.

#sdchargers_63 - Says,

I know there is a FREE way to get your CR's (only once a year..however)......Annualcreditreport.com. However....if you want to get it every quarter, don't you have to pay for the services? I guess if you really want/need to see it, people would pay the small fee.
#charles.armbruster - Says,

You are correct -- actually individuals can receive one (1) free credit report from each of the three (3) credit bureaus, annually. So, smart folks can inspect their status by way of the credit report every four months, every year, for free.

Credit monitoring services essentially do this for you, for a fee. There are management services that will counsel you and your credit stance to keep your scores as high as they can be, and they help you to be lightly pre-qualified for the best rates and the largest loan amounts, whether it be cars or homes or whatever installment loan you are needing.

There doesn't seem to be a 'GOOD HOUSEKEEPING SEAL OF APPROVAL' to sort out all these credit monitoring oufits, but I wouldn't touch one of them -- they simply direct information to you, and they can't legally discuss your particular circumstance with you. Only lawyers and mortgage professionals can legally pull your credit and review it with you. Mortgage professionals who offer products like ApprovalGUARD credit management services can help folks improve their credit scores by analyzing their quarterly reports.

#fireyone - Says,

I myself wouldn't want to deal with them or pay the fees associated with it. If you have access to free credit monitoring yourself why bother paying for it.
#charles.armbruster - Says,

True -- you can FSBO sell your own home, too. Also, people will often employ a credit repair agency when a certain time-frame (for a purchase, say) is important to them.
There really is a 'sea' of information out there for personal credit management. Some folks feel more comfortable 'swimming' through it with a coach.
When credit score is important to you, as when refinancing a home, credit & liability management can do wonders for those needing direction.

#fireyone - Says,

With all the negativity surrounding them I just thought of them as kind of like junk debt collectors. If there is hope out there through one of these agencies which one od the credit managing companies would anyone suggest?
#charles.armbruster - Says,

There are many, but the only one I know well is one I personally work with -- Guidelines & Rules violation--Morningstar
#fireyone - Says,

Wow that sure is alot to offer. I am definately looking into that one. It helps to have people who have used a service to recommend one. It saves time and money so you don't waste it weeding out the bad ones. Thanks
#anthony - Says,

Is advertising allowed like that? I am not sure.
#Morningstar - Says,

No, but to do so through private messaging is ok.
#fireyone - Says,

Sorry I didn't relize i was in the middle of an adwertisement. Really hope I didn't do anything wrong. Thanks for informing me.
#Laura - Says,

Infact the poster also did not realize that. Hi Charles, thanks a lot for your help. We appreciate it but alas we have to follow the guidelines as well. But do you really need a credit management company?
#fireyone - Says,

I see you can really get a lot of money tied up in identity protection. I checked out a sit that was recommended www.optoutprescreen.com. They keep you from getting prescreen invitations to credit that apparently add soft injuries to your credit score. They want a monthly payment there too. I know that it is very important to protect your identity but with everyday living prices astronomical most of us can't add even more to their budget. They need to set something up that doesn't charge. Kind of like how they did the do not call list. In the end I think if you are truly strapped and just can't afford it your best defense is using the three free credit reports and checking yours every four months.
#goodnatured - Says,

I went there and put the information in for both me and my husband. I don't think they should be able to give your information out from the credit reporting agencies, think it is a bunch of crap, when they inquire then your score falls. Just seems like there is just too much working against you when you are trying to rebuild or build your credit.
#Morningstar - Says,

Code:
I don't think they should be able to give your information out from the credit reporting agencies, think it is a bunch of crap, when they inquire then your score falls.


Marketing, or soft inquiries do not affect your score.

#fireyone - Says,

Morningstar is correct here. They aren't suppose to affect your score. I think he has told us this many times. I still opted out. I can do with alot less mailbox junk. Plus with the rough times lately I don't want to fall victim.
#goodnatured - Says,

I thought I read some where that it does, learned something new today. Oh well, I used the optout that was posted on this forum, I really don't want any of them making money by selling my name on a list. They have done me no favors, LOL.
#fireyone - Says,

I agreed in full. I hate putting my name to anything anymore cause I know I'll hear from a million other places. When we first moved in here our new number wasn't on the do not call list...it didn't enter my mind until the phone calls started..at all hours. I already had direct TV but yet they still called asking if I would like ti sign up. Whatever.
#scott - Says,

Yes that feels irksome but you have to opt out sooner. Have you done that already?
#goodnatured - Says,

I know it gets to the point that even if they had a great deal you would not pick them because of their marketing, call after call, vonage used to drive me up the wall.

I think the do not call should be in place until you go in and remove it.

#fireyone - Says,

Yes I just did it myself recently. I never knew you could opt out until I came here. Glad someone gave me the link.
#goodnatured - Says,

My junk has stopped significantly, pretty quickly, way before the 30 days that they give you as a timeframe.
#fireyone - Says,

How soon did you see the results goodnatured? I just opted out last week. Hope it works.
#goodnatured - Says,

I don't know if it is coincedence or not, but I have not recieved any junk about two weeks after the date that I opted out. I wish the collectors were that easy to get rid of, LOL. You should see results soon.
#fireyone - Says,

Maybe one of us could get rich tying to put an end to that one. I am starting to notice less and less. Instead of pulling lots out of the old mailbox it has only been a couple things.
#peter jones - Says,

if you dispute a item & it was deleted by Experian & Trans Union by law is Equifax suppose to delete the item as well
#Jdubb - Says,

Hey Im working with a credit repair agency out of AZ, and had a simliar situation, this company told me that it is illegal for one CB to delete an item and the others maintain a negative report, you will have to send a copy of your report to the others to have removed
#crorkz matz - Says,

SYRCE7 I cannot thank you enough for the blog article.Much thanks again. Awesome.
#matzcrorkz - Says,

Gwx2n2 Very good article post.Really thank you! Great.
#Gregory bake - Says,

This is unbelievable ,when my friend to referred  netsolvetechnology at gmail dot com,who help me remove late payment from my report and he increase my score  to excellent grade,thanks to him,i promise to refer him to people,so if you need credit help ,contact him through his email ,thanks to him,just tell him i refer,he will surely help..now i can apply loan...
#Britney Daniella - Says,

Had a stroke at 37 years old and have not been able to work for 2 years with a low probability of ever returning to full-time work. I was without income for 18 months until finally receiving my employer LTD benefit (less 30% legal fees). I have not been able to keep up with credit card payments for the past year (had no idea Cigna would give me the runaround like they did). However, I received a lump sum back payment plus a monthly reoccurring payment of 60% of my previous income. I was not sure if I should settle my credit cards at this point. I owed Chase, B of A, Discover and Citi. Chase is by far the largest balance of Approx. $20K. I have explored bankruptcy, but I have some income producing real estate assets I cannot protect and even my paid for vehicle is above the state limit for exemption. While I was researching about credit repair I read good reviews about Hack West and decided to cast my burden upon them. The good news is that they fixed my credit in less than 15 days and cleaned up the negative items from my report including the debt I owed. I don’t know how to appreciate them enough. Here is there contact: (424) 307 2638 / HACKWEST@WRITEME.COM.
#donald allan - Says,

A magazine published earlier this month says between March and now, the percentage of the population having a perfect score has increased by 28% I know why, many of them have been paying to get it fixed. YES try to consolidate your credit so everything can be on a perfect stand with a golden score(i am talking at least 795) in three days. ALL CHANGES ARE PERMANENT. This can only be done with the concentration and smartness by Notablespy who has assisted so many individuals,i just got saved by him too.he can be trusted. I got my credit score increase up to 820 and from then my whole story change, i had enough money to stand on my own, i had my very big dream come though right now my family and i live in a house of our own and i already have two other house along side this year 2018. This is an achievement ever. Although what i paid can't be compared to the good work i received from him out of his kindness. Contact directly email(SYNCHACKTECHCREDITREPAIR@MAIL.COM or 8646570231)
#Jason6567 - Says,

Hello everyone Jason by name. I want to express my endless gratitude to Ghost for helping out with credit repair and also increasing my score 479 to a high 790. If you need help fixing your credit and lessons on maintaining a good credit Ghost got you covered contact them via mail (Ghostvirus789@gmail.com text (205) 418 0498) Happy Holidays.
#Jack Miles - Says,

As skeptical as I am, I have to say these guy is the best in the business. The cost is worth it. Faster than Lexington Law or any other repair services I have ever used.I started less than a week ago and changes are happening to my credit report and my scores have been going up. Take it from me, try him you won’t regret it. Ask for THECREDITWIZARD@WRITEME.COM, he is your guy. Customer service is professional and you are not being considered as a number. He is personable and understands your needs. It’s worth it guys and this aren’t no FAKE NEWS. You can also text him on his personal number +1 (717) 467-7735.
#Christian56 - Says,

Greeting Great people my name is Christian, Few years back I tried without success to fix my credit and rather it got worse. The last time was last year in which they request me some payments and six (6) months, the person did nothing. I was making more research and by chance I found Ghost Virus and his contact; GHOSTVIRUS7890@GMAIL.COM, +1 205 418 0498. For many of the names I found for some reason, I identified more with him. I am a father of 4 children and I have always wanted to buy my house but by credit report, I have never been able to. I did bought one house in Puerto Rico but it entered foreclosure. My score was in the 475 due to the medical bills, credit cards, repossessions, student loans, etc. well I trusted Ghost Virus with my credit and he delivered my life from shame and failure bringing joy and reason to be happy back to my grasp again. He raised my score to 790 and deleted the bad items on my report and it still looks nice up to date. Reach him with his above contact and get your lives back again.
#MARY LAWRENCE - Says,

Hi Guys, let’s talk about the FICO score; those important 3 digit numbers that determine your quality of life no matter your status. Well earlier in 2018 I had a really bad credit score. I would often surf the net searching for real hackers that could help increase. Well, as expected I got swindled twice. Eventually, I gave up my search and concluded that it wasn’t possible for hackers to increase credit scores. The good news is that I read on Trulia about XAP CREDIT SOLUTION. I was pessimistic at first but I decided to give it a try. Lo and behold in 8 days XAP was able to boost my score, not only that they added some positive remarks on it. In conclusion if you have a bad credit score you might want to contact them on XAPCREDITSOLUTION@GMAIL.COM. Bye!
#David456 - Says,

A warm greetings to you all reading this my name is David; Competence is one thing we don’t need to undermine. GHOST VIRUS has proved to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad Credit Report, deleting all negative items including FBI reports and medical bills from my credit report. He gave me an excellent score I have no worries anymore I got my life back thank to Ghost. I’m sure you won’t have any regret employing the services of Ghost You can always reach them on (GHOSTVIRUS7890@GMAIL.COM 205 418 0498). Have a Great Weekend.
#Wilson Kelvin - Says,

Happy Money Monday Family, My name is Wilson Kelvin. With much joy in my heart I want to take this time out firstly to appreciate God for he’s mercies in my life and family for a good head start this year and to this genius Robert (Ghost Virus) for making it possible. He deleted all the negative items, collection, student loan and other bad items stocked on my report which disqualified us from getting a Home. But after our conversation with Robert about the challenges on our report and we needed help which he offered us it took about 16 days to wipe off the bad items and increase our scores leaving good Tradeline but it was worth it . We are the newest home owners on the block with a Brand new Cadillac and Mercedes. You too can restore your credit Today by Texting CREDIT TO 205 418 0498 or Mail; GhostVirus7890@gmail.com
#Mateo Rolland - Says,

to boost your FICO and remove repos from your credit, contact XAPCREDITSOLUTION@GMAIL.COM/ (+1 972 597 9704). get your credit fixed today
Page 1 of 4

Powered by phpBB © 2001, 2005 phpBB Group