Different Cr's with the same CRA???

Give them whatever information they need to verify you are you, and get your report(s) directly from the CRA's. I don't trust the merged reports, but whether or not to trust them you will always get the best information, from the information source.

Get your Equifax report from Equifax and review the items...send a copy of that report to Amex if it verifies your information. If it does not contain correct information you will have to do some repair work to correct the erroneously reported items.

If you find errors, you may also want to order ALL 3 reports directly from the source Equifax, TransUnion and Experian. I would!, to be certain you have not been flim flammed on other reports as Equifax has done. Good Luck, I hope it was just a mistake by Amex and you find the Equifax report is clean.

-Dave

 

Becky,

I don't know if this is similar, but I pulled an online Experian report and it had all sorts of things missing and added that were not on the report from March 14th that I received by mail.

They had my mortgage with the first company as open. They never even listed the second owner or that it was sold. That's all on the MAILED version though, because I updated it and got that mailed copy in March.

WHAT IS THE DEAL????? Do they send different reports for different requests?? Do merged reports have less or more info than others??

 

Me too.

All of a sudden on the ONLINE report I have 2 trade lines for Discover Services. Sears, I imagine. But they are listed as 1997...and will fall off in 2007. Sears/ Discover are not listed ANYWHERE on the mailed version of my report.

The only reason I got tha mailed version in March was that they asked the question about who I paid my mortgage to and I pick "none of the above" since I knew it was sold, and they didn't even list the last company that I paid to. That was the WRONG answer so I had to get it mailed.

This time I had seen what my husbands looked like and I pick the old mortgage company in the security questions and got it ONLINE. Now I know that they have the second mortgage company listed, so where the hell did it go to?

Doesn't anyone know about this? Becky and I can't be the ONLY ones this has happened to.

 

Are you all talking about a merged report from a 3rd party, or are you talking about your online reports from Equifax/TU/and Experian?. If they are merged reports, or reports from a 3rd party, one possible explanation for this is they are "created" using codes from each of the 3 CRA's and maybe they are mis-interpreting the codes. So that a paid on time never late mortgage shows up as a foreclosure. Not saying this is the answer but I would still only trust the hard copy report you get directly from the CRA's.

But it does beg the question "what do your potential creditors see when they pull your merged or electronic report?"

-Dave

 

I have both online and mailed reports from Equifax and they match so no problem there. I'll know about Experian in 8 to 10 business days when I receive their mailed report. I'll match it up against the online ones I already have and I better not find any problems! I'm bracing myself just in case it's bad news. Wouldn't be a bit surprised to find out a creditor gets yet another version altogether.

 

Exactly. Momof3 once said her lender recently got a merged report that had a collection listed which she had deleted a few months before. No one really responded to her thread, but I do wish I knew what that was about.

If the mergred reports are mis-coding info that is potentially negative when they do so, that is a problem.

 

My reports are the difference between the ones I puchase and got MAILED and the one I got ONLINE.

I purchased the report almost a year ago at the local credit bureau. I can get it right away but found out they pull a hard inquiry. YUCK! I used that report to dispute and clean-up.

Then I ordered an Experian report over the web to be MAILED to me. Got it and it had all the corrections and updates, etc.

A week ago I finally got one from Experian ONLINE by answering a security question with an Old outdated answer (who do you pay mortgage payments to? I picked the first company that held the loan, although it was sold after that, and since I have SOLD the house) I got the ONLINE report and it has all sorts of extra stuff on there that NEVER appeared on any other report from Experian.

Also I have updated the mortgage info before and it showed corrected on the last MAILED version. Now the ONLINE version doesn't even list that info. Just the first mortgage co. showing as OPEN.

I PLAN TO CALL THEM THIS MORNING AND ASK THEM TO PULL UP MY REPORT AND SEE WHAT THE HECK IT REALLY HAS ON THERE.

I am like Becky, in that I am going to be appling for a mortgage again soon and I want the reports to be correct. How can I make sure they are correct when you get different info on each version you pull. NOW, if I get a merged report that shows something completely different, Jesus H. Christmas!!!!!! I luckily don't have any negatives. But I do have tons of credit and don't want them to think all these accounts are open. I had the last MAILED version all fixed.

 

The only time you can talk to a "real " person is right after you have gotten a new report and have that 10 digit number....OR

If you have just gotten a dispute back and have the 10 digit number from the dispute.

You should be able to since you recently got a report, right? In the last 30 days?

I am calling this morning, since I got my report 3 days ago. Will let you know what they say about the differences.

Sorry that yours are causing you to be denied. Mine could potentially hurt me since they look like I have credit EVERYWHERE.

 

Okay, I got another online report when I signed up with the Credit Expert on Experian so I could see my score. 670 was my score. Not great, but paying off the balances will take me up over or right at 800. So I will get there soon.

I asked the lady rep about the differences between the two reports. I have the written report mailed to me.... and this one ONLINE report. She pulled it up on her screen. I asked about my mortgage loan. I have GECapital listed on the MAILED version march 14th. Now it's gone, and they have me back to the first mortgage company with it open. She said I don't see anything about GECapital!! I asked her where it could have gone and she had NO CLUE. Must have fallen off, she said. DAMN, wish it were that easy. SHe asked me if I didn't send payments to Wells Fargo anymore and I said no, I sold the thing in 1999. But I want my 6 years of paying that mortgage on my report. SO I guess I have to write GE again and demand the re-insert the info. GEEZ.

She took off all the stupid variations of my addresses. I don't remember if any of you remember or read where Equifax had my father SSN tied into mine...well, on the online report it had SSN variations and listed his SSN. So she said that Sears placed that number on my report in 1999. Funny but my father died in 1996. We have never done anything with SEARS together.

I also have to find out why Discover Financial Services places 2 listings on my report. They were not there in MArch, but now one is listed as opened in 1998 and transferred to another institution in 10/2000, and the new one listed as last updated 4/2001. I DON'T HAVE A DISCOVER CARD. They aren't hurting me since they are listed as closed, and paid as agreed. But where did they come from.

This is the most stupid mess I have ever seen. These people control everything we do or get and they can't keep anythign straight!

 

This is the type of reasoning (on the lender's part) that makes NO sense to me. The CRA's are reporting wrong information and won't change it and even though the lender sees the documents proving the credit bureaus are wrong you're being penalized for the CRA's stupidity?? Kinda defies logic. I'm not exactly looking forward to going through the mortgage process if this is what I have to look forward to.

Becky, all I can say is I think what you're going through stinks and I hope someone can come up with some suggestions to help you out.

 

Becky,

If you have a recent report... last 90 days... call on the phone and get them to remove all the bad adresses right away. She removed mine and they were gone an hour later. Just don't admit to any of them. I admitted to one that was a variation of how they list the PO box then as opposed to now and she said "oh, that has to stay". Stupid me. I will probably call back and use a new report number and get that removed tomorrow.

Also, you might be able to get the name variations removed quickly over the phone. OR send a copy of your drivers license and that should do it. I would immediately write a dispute letter and list everything wrong. Send all your letters and info. I should come back in about 45 days. With any luck... and I know how stupid THAT sounds.... it should be somewhat cleared up by August.

I don't know whether or not to order a MAILED report again. I think I have lost my mortgage trade line but I am calling tomorrow and sending a letter anyway. I only hope that we can get these things cleared up enough so we can get loans. Who knows what will show up when they pull a combined report. Momof3 said new things pop-ed up then too.

I hate this whole thing. I really makes you want to go get a new SSN and start over. They make your rely on their scoring and then they can't figure out how to keep these report straight.