Is status affecting my scores?
Two were student loans that I had consolidated, therefore being paid and closed. The other two were finance companies that I paid off and closed. However I refinanced one of the finance companies account.
Question? How can I get Equifax to change the current staus of each. They continually report current status as 30-69 days past due.
I know that they are competent enough to see at the far right side of the report that the accounts are closed and paid. I have disputed the current status several times with Equifax. They will not here me as far as changing the status. Should I take this to an attorney? I believe this is killing my score. Is there anyone out there that experienced this with Equifax? I would appreciate your advice.
Eddie.
Answer:
Below is information from Equifax regarding disputing errors on your credit report. In addition to the "fixing errors" link I'm adding below, the second link is regarding filing "online disputes" with Equifax. So read all information at both links and find out the best way to remedy this problem. You should not have to go through an attorney if you follow the recommendations they give you. Don't forget there is more than one credit reporting agency. You should definitely check with all of them to make sure each report is fixed as businesses use different agencies and sometimes pull reports from all agencies. There is Experian (formerly TRW), Equifax, and TransUnion and they can each show negative information.
Equifax - Fixing Errors Information
https://www.econsumer.equifax.com/consum.
Equifax - Online Dispute Information
https://www.econsumer.equifax.com/consum.
Federal Trade Commission - Help for consumers re: credit
http://www.ftc.gov/bcp/conline/edcams/cr.
I hope this information is of help to you. Best wishes always.
my reports from equifax and trans-union are riddled with inaccuracies and incorrect personal information.
i have e-mailed, and snail-mailed corrections to both these outfits, with thus far no success.
i am on the verge of retaining an attorney, but am of the opinion that i should not have to take on this expense of time and money to correct errors not of my making.
i wish you good luck.
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