I just got off the phone with Equifax and they are the only one who has reported my car loan incorrectly as 1-time 30 days late. So I disputed it and they turned around and verified it! I called the phone number that they had down for Fair Lane credit. Some old lady answered and said she gets this call all the time. She told me the correct area code. I called the Fair Lane and they said that they have no negative record of my car loan. So I figured the only reason that they couldn't verify it correctly is because they had a wrong #. So I called them and they said they don't verify by phone but electronically the Fair Lane couldn't find the account so they are going to delete it. I told her that I just spoke to them and I was in the computer! I told her that I don't want it deleted because it is good credit to me, I just want it reported correctly! She said it would be deleted. What I want to know is how did they so call verify that it was late the 1st time and then they couldn't find it all of a sudden? Someone is not doing their job! Sorry so long, but I'm mad!
EQ did the same thing to me!!! They are reporting my Ford Credit loan 1 time 30 days late as of 11/01 and it came back verified, when I challenged it. I am about to send another verification letter. mizfixit wife of freedom777
