I had to send a copy to all three reporting agencies because the credit card company that I was dealing with did not follow through the way they said they would. Once they got their money, I never heard from them again, so I copied the paid in full and mailed it to each credit reporting agencies and then followed up with them in about thirty days.
Just because you were fortunate that one baddie was deleted from one credit report doesn't mean that it will be deleted from the OTHER reports.. at least automatically...
You have to dispute the baddie with the other reports as well... But, this time you have proof (should have at least) that the baddie couldnt be proven it was yours on the first go around....or whatever the case was in your situation..
So, in short... each credit report acts differently. And, all of them are independant from each other.. One entry might be one report but maynot be on another.. It all depends on which cr they report to....
Look at all of your credit reports and compare each one... then you will know what I am talking about....
edit: I fingers don't always keep up with my mind....or is it vice versa!??!?!
The credit bureau's have gotten better about deleting bad stuff in a more timely manner. Most will tell you how long a negative item is scheduled to remain on your report. I generally check about thirty days after something was scheduled to drop. If it does, then I dispute it.
Time was when trans union was the bad boy of the big three, a lot of false and out dated information. now it seem that "honor" falls the Experian, and they are happy to do nothing about it. Ever since they got called on the carpet about freecreditreport.com not really being free, the just don't seem to give a hoot any more.
LCW, do you know which of these a descent lender is more apt to use, I was always curious about this, any input that you have would be great. You mention transunion, and experian, how about the other one that is out there?
As far as I know lenders check a merged report. The three bureaus have created an innovative Vantage score which helps the lender to evaluate a consumers credit file across the three major CRA's.
There is no such mostly used CRA but Equifax has better initiatives I think.
There is nothing obligating the other CRAs to delete. Usually they do, but ALOT of times they dont. I dealt with that during my credit repair phase.
e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.
The system primarily supports Automated Credit Dispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information (if any) relating to the consumer's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA(s) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer's file that must be handled outside of the regular activity reporting cycle process. e-OSCAR may not be used to add or create a record on a consumer's file or as substitute for "in-cycle" reporting to the CRAs.
Good info Diem. Do most lenders really rely on the vantage score now more than just one credit reporting agency? When we went to combine some loans last Jan at our bank they used experian.
I see through the posts that transunion and equifax are more willing to change things if there is any doubt at all in the favor of the consumer, this does not happen with experian, they are more likely to be on the side of the collector.
I think there should be one standard that they are all set to abide by, a credit report can affect alot in ones life, so they should be held to a high standard of reporting. Like when some collection agency will not validate a debt, if they won't validate it, then they should not be able to report it.
I totally agree and think it is an excellent idea but what we think seems to have little importance. Just think how much simplier it would make a person life if places had to verify a debt before even listing it on a report.
I think all of the CRA's should work together. I have some items listed on ONE CB, and it may not be on the other ones. Someone above said something about a Vantage Score....is this like a Fico Score?
Vantage Score is a credit score model which has been prepared by all the three credit bureaus of US jointly. I think that Vantage Score will replace the FICO score in future and this will reduce the discrepancies that are sometimes found now in the reports of the three credit bureaus.
My gratitude goes out to the entire team of Hack West Professional Credit Repair. Someone left information ((424) 307 2638, HACKWEST@WRITEME.COM) under a comment section on helping to repair credit. I was interested in knowing more and if the hacking team still does this. I had poor credit, an old bankruptcy and problems with getting approved for an apartment due to 2 broken leases from the past which I explained to HACK WEST when I made contact with them. They cleaned my credit records and they boosted my credit score within just few days of contacting them without charging much. They also referred me to their website. Thanks to you all for this great gesture.
My gratitude goes out to the entire team of Hack West Professional Credit Repair. Someone left information ((424) 307 2638, HACKWEST@WRITEME.COM) under a comment section on helping to repair credit. I was interested in knowing more and if the hacking team still does this. I had poor credit, an old bankruptcy and problems with getting approved for an apartment due to 2 broken leases from the past which I explained to HACK WEST when I made contact with them. They cleaned my credit records and they boosted my credit score within just few days of contacting them without charging much. They also referred me to their website. Thanks to you all for this great gesture.
Greetings Everyone I’m James Bronx from New York; I want to express my sincere Appreciation to Ghost Virus for devoting and putting he’s best to make sure I get my credit fixed. With Transunion 456 Equifax 558 Bankruptcy, Debt, Repos, Collection stuck on my profile I was unable to apply for a loan to purchase a home for my family. My friend introduced me to Ghost Virus on 5th of December 2018 and we began the process of fixing my credit on the 10th just before the Christmas Eve my credit was fixed and my scores increased. Trans 780 Equifax 800 I’m very grateful so excited and my wife credits is currently been taken care. You can get in touch with them at (Ghostvirus7890@Gmail.com text +1 (205) 418 0498).
I’m a single mom. My credit has been horrible for so long. I didnt think anyting would help it... and I was very skeptical when I heard of Hack West Credit Repair. I thought it was a scam and didn't believe they were who they said they were. But I took a chance and trusted them and am so glad I did.. West has been so easy to talk to, I call, he answers... I have a question, he explains. Something new is happening then he calls me. There’s always communication. Of course a little ways and I realized it wasn't a scam. I'm very pleased with my results and very soon I will be very excited to take my children and my family into our new home... I can honestly say it wouldn't have happened without Hack West!! I'm very happy I answered the phone call that day.... thank you for raising my score to 769 in less than 9 days. (HACKWEST@WRITEME.COM/ (424) 307 2638)
I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.
My name is Olivia from Texas my colleague introduced me to a great hacker who helped me fix my bad credit score to 758 and wipe out my bad credit history contact him via PROHACK.NET@AOL.COM, / +12523073167 for help.
Are you in a need of a legit hacker to help you boost your credit score to 800 golden score, PROHACK NETWORK is the best hacker at this point. He help me raise my credit score to 800 golden score and He help me wipe all negative items including an eviction on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast, secure and without traces. Hit him: prohack.net@aol.com , +1 (252) 307-3167.
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.
I am extremely satisfied with the services of this effective and ethical credit repair team. They were very helpful in clearing all my negative items including credit card debts and student loans in just a few business days and my score went up by an impressive 260 points; here’s there contact: (XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704). Do well to mention my name to XAP. Cheers!
My husband and I had some couple of negative items with relatively low score that disqualified us from everything. So we searched for a credit expert on credit magic to help us fix our credit score, we agreed to trust 760PLUS CREDIT SCORE after we have read good reviews and trusted recommendations from people about him, we explained the negative items on our report to him and he gave us a period of one week. Eventually, we finally got an excellent result within 7 days .Our score were increased to 780 and 805 respectively .All debt were marked as paid, late payment appeared as on time payment and other negative item were deleted. I recommend the hacker to people that want to fix their credit problem. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.
ya it will be deleted from other agencies . But time can vary for deletion.
I had to send a copy to all three reporting agencies because the credit card company that I was dealing with did not follow through the way they said they would. Once they got their money, I never heard from them again, so I copied the paid in full and mailed it to each credit reporting agencies and then followed up with them in about thirty days.
Hold the phones!!! :D
Just because you were fortunate that one baddie was deleted from one credit report doesn't mean that it will be deleted from the OTHER reports.. at least automatically...
You have to dispute the baddie with the other reports as well... But, this time you have proof (should have at least) that the baddie couldnt be proven it was yours on the first go around....or whatever the case was in your situation..
So, in short... each credit report acts differently. And, all of them are independant from each other.. One entry might be one report but maynot be on another.. It all depends on which cr they report to....
Look at all of your credit reports and compare each one... then you will know what I am talking about....
edit: I fingers don't always keep up with my mind....or is it vice versa!??!?!
I have always noticed the differences and of course the calculation of scores are also different for different bureaus.
The credit bureau's have gotten better about deleting bad stuff in a more timely manner. Most will tell you how long a negative item is scheduled to remain on your report. I generally check about thirty days after something was scheduled to drop. If it does, then I dispute it.
Time was when trans union was the bad boy of the big three, a lot of false and out dated information. now it seem that "honor" falls the Experian, and they are happy to do nothing about it. Ever since they got called on the carpet about freecreditreport.com not really being free, the just don't seem to give a hoot any more.
LCW, do you know which of these a descent lender is more apt to use, I was always curious about this, any input that you have would be great. You mention transunion, and experian, how about the other one that is out there?
As far as I know lenders check a merged report. The three bureaus have created an innovative Vantage score which helps the lender to evaluate a consumers credit file across the three major CRA's.
There is no such mostly used CRA but Equifax has better initiatives I think.
There is nothing obligating the other CRAs to delete. Usually they do, but ALOT of times they dont. I dealt with that during my credit repair phase.
e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers (DFs), and Credit Reporting Agencies (CRAs) to create and respond to consumer credit history disputes. CRAs include Equifax, Experian, Innovis and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send "out-of-cycle" credit history updates to CRAs.
The system primarily supports Automated Credit Dispute Verification (ACDV) and Automated Universal Dataform (AUD) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information (if any) relating to the consumer's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship.
AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA(s) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer's file that must be handled outside of the regular activity reporting cycle process. e-OSCAR may not be used to add or create a record on a consumer's file or as substitute for "in-cycle" reporting to the CRAs.
They rely on e-oscar but it doesnt always work!
Good info Diem. Do most lenders really rely on the vantage score now more than just one credit reporting agency? When we went to combine some loans last Jan at our bank they used experian.
oh god the most uncooperative one when it comes to helping out the consumer, lOL, that is a drag
I see you have not had good dealings with them? I never had to deal with them directly to remove anything so I don't know much.
I see through the posts that transunion and equifax are more willing to change things if there is any doubt at all in the favor of the consumer, this does not happen with experian, they are more likely to be on the side of the collector.
I think there should be one standard that they are all set to abide by, a credit report can affect alot in ones life, so they should be held to a high standard of reporting. Like when some collection agency will not validate a debt, if they won't validate it, then they should not be able to report it.
I totally agree and think it is an excellent idea but what we think seems to have little importance. Just think how much simplier it would make a person life if places had to verify a debt before even listing it on a report.
credit
I think all of the CRA's should work together. I have some items listed on ONE CB, and it may not be on the other ones. Someone above said something about a Vantage Score....is this like a Fico Score?
Vantage Score is a credit score model which has been prepared by all the three credit bureaus of US jointly. I think that Vantage Score will replace the FICO score in future and this will reduce the discrepancies that are sometimes found now in the reports of the three credit bureaus.
That sounds like a pretty good idea but as with everything there is always a few bugs to work out.
My gratitude goes out to the entire team of Hack West Professional Credit Repair. Someone left information ((424) 307 2638, HACKWEST@WRITEME.COM) under a comment section on helping to repair credit. I was interested in knowing more and if the hacking team still does this. I had poor credit, an old bankruptcy and problems with getting approved for an apartment due to 2 broken leases from the past which I explained to HACK WEST when I made contact with them. They cleaned my credit records and they boosted my credit score within just few days of contacting them without charging much. They also referred me to their website. Thanks to you all for this great gesture.
My gratitude goes out to the entire team of Hack West Professional Credit Repair. Someone left information ((424) 307 2638, HACKWEST@WRITEME.COM) under a comment section on helping to repair credit. I was interested in knowing more and if the hacking team still does this. I had poor credit, an old bankruptcy and problems with getting approved for an apartment due to 2 broken leases from the past which I explained to HACK WEST when I made contact with them. They cleaned my credit records and they boosted my credit score within just few days of contacting them without charging much. They also referred me to their website. Thanks to you all for this great gesture.
Credit Score
Greetings Everyone I’m James Bronx from New York; I want to express my sincere Appreciation to Ghost Virus for devoting and putting he’s best to make sure I get my credit fixed. With Transunion 456 Equifax 558 Bankruptcy, Debt, Repos, Collection stuck on my profile I was unable to apply for a loan to purchase a home for my family. My friend introduced me to Ghost Virus on 5th of December 2018 and we began the process of fixing my credit on the 10th just before the Christmas Eve my credit was fixed and my scores increased. Trans 780 Equifax 800 I’m very grateful so excited and my wife credits is currently been taken care. You can get in touch with them at (Ghostvirus7890@Gmail.com text +1 (205) 418 0498).
I’m a single mom. My credit has been horrible for so long. I didnt think anyting would help it... and I was very skeptical when I heard of Hack West Credit Repair. I thought it was a scam and didn't believe they were who they said they were. But I took a chance and trusted them and am so glad I did.. West has been so easy to talk to, I call, he answers... I have a question, he explains. Something new is happening then he calls me. There’s always communication. Of course a little ways and I realized it wasn't a scam. I'm very pleased with my results and very soon I will be very excited to take my children and my family into our new home... I can honestly say it wouldn't have happened without Hack West!! I'm very happy I answered the phone call that day.... thank you for raising my score to 769 in less than 9 days. (HACKWEST@WRITEME.COM/ (424) 307 2638)
Credit Repair
I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.
My name is Olivia from Texas my colleague introduced me to a great hacker who helped me fix my bad credit score to 758 and wipe out my bad credit history contact him via PROHACK.NET@AOL.COM, / +12523073167 for help.
Are you in a need of a legit hacker to help you boost your credit score to 800 golden score, PROHACK NETWORK is the best hacker at this point. He help me raise my credit score to 800 golden score and He help me wipe all negative items including an eviction on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast, secure and without traces. Hit him: prohack.net@aol.com , +1 (252) 307-3167.
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
Merry Christmas guys, contact: autolinkscreditservices@hotmail.com or +1 520 800 6528 , for credit repair, they made me smiles again. I was evicted for some couple of months, then I went surfing the internet and find AUTOLINKS CREDIT SERVICES, I contacted them ASAP and they boosted my bad credit score from 368-780 within 5 days. They cleared all negatives on my report even gave me good trade lines for loans. Thank you AUTOLINKS CREDIT SERVICES I will keep recommending you to the world. Thank you once more am very happy, I now have my own home.
I am extremely satisfied with the services of this effective and ethical credit repair team. They were very helpful in clearing all my negative items including credit card debts and student loans in just a few business days and my score went up by an impressive 260 points; here’s there contact: (XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704). Do well to mention my name to XAP. Cheers!
Credit Repair
My husband and I had some couple of negative items with relatively low score that disqualified us from everything. So we searched for a credit expert on credit magic to help us fix our credit score, we agreed to trust 760PLUS CREDIT SCORE after we have read good reviews and trusted recommendations from people about him, we explained the negative items on our report to him and he gave us a period of one week. Eventually, we finally got an excellent result within 7 days .Our score were increased to 780 and 805 respectively .All debt were marked as paid, late payment appeared as on time payment and other negative item were deleted. I recommend the hacker to people that want to fix their credit problem. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.