I disputed my Citi card on Experian sometime ago, and instead of fixing the credit limit from N/A they deleted it. Today it's back. Credit Limit N/A and Balance N/A. Balance as of 4/2002 $0 - open/never late. It seems like Citi or Experian just can't get anything right lately. Everyone else reports this card fine.
Everyone is suffering through the citi-exp nightmare now. Your lucky to have a 0 bal. Most of us are stuck with ten month old balances and no cls.
it isnt just with CC. Try student loans...They have me listed as a 30 day late on 16 loans when I have proof of a "in-school" deferment. Citi states they sent the packet 6/17 and 6/24 and they were rejected by Experian. Experian states that Citi verified on 6/24 that the accounts were correct. Citi sent me a letter stating it should be removed...experian states they may or may not use the letter because citi listed the accounts as my SS# and not 16 different SS#number combos. Mailing letter anyway and crossing fingers
Citibank was not updating Exp. between 8/01 and 7/02. Since beginning of July totally screwing up by reporting balances since september then October etc.. My ratios are inthe dumps. I'm not disputing now because it changes balances every 3-4 days. Just watching to see where this will all end.
My Citi account just started reporting a couple days ago on Experian. The credit limit is not being reported on Experian, but is on Trans Union & Equifax. The balance that reported was from April (higher because of balance transfers). I lost 5 points. When I checked Experian today, my balance reported now is from May. I gained 1 point. Maybe in the next couple of days, my June & July balances will appear (much lower)? I don't know what is going on between Experian & Citi. Strange.
I've been following the Citi/Experian problem since it was first reported. I'm going to wait a few more days and dispute it again. Worst that can happen is that they delete it again. I only gained 1 point from it being there. Equifax / TU report it correctly. Now if I could get TU to fix my First Premier Charge-off, it'd be 100% clean, just like Equifax. If the CRA's would get their act straightened out, I'd be in the mid 600 to low 700's score wise. I have this weird feeling that CR scores are tied to the stock market. Seems like mine is really stable and then when the stock market drops a bit, I loose like 5-10 points for no reason. Equifax needs to remove all those inquiries. Sadly after arguing on the phone with them, they refuse. I'm going to try the OC's to see if they will remove thier inquiries. Hopefully, I won't have to sue anyone. Some of the inquiries aren't mine and were from my file being hashed/mixed with someone elses. Equifax said the problem was fixed and any inquiries on my report were requested for me. What a crock....
Funny, Exp/Citi started reporting mines a few a couple days ago also, no CL reported either. gained a full 4 points, hopefully I can get more points if they ever report the CL.
