My EQ report is showing my current mortgage twice. both are reporting l1 but one is showing my 3X 90 days late, the other is showing no history. How do I delete the one with the lates and not the other? Hockeymom
IT SOUNDS LIKE YOUR ACCOUNT NUMBER MAY HAVE CHANGED...SO FIRST I'D IDENTIFY THE ONE WITH THE MOST RECENT UPDATE. IF IT'S THE ONE WITH THE LATES, DISPUTE AS "NEVER LATE". ON THE SECOND ONE, DISPUTE IT AS DUPLICATE. THE DUPLICATE SHOULD COME OFF WITH NO HASSLE. YOU COULD RUN INTO A PROBLEM WITH THE LATES, THOUGH. YOU SHOULD CONTACT THE MORTGAGE COMPANY AND ASK FOR A SUMMARY OF YOUR PAYMENT HISTORY. IF THERE ARE ANY LATES DISPUTE WITH THEM. SINCE I'M ASSUMING YOU WERE NEVER ACTUALLY LATE I THINK THIS SHOULD WORK. ALSO, I WOULD SEND A COPY OF THAT PAGE OF YOUR REPORT WITH EVERYTHING BLACKENED OUT EXCEPT THE TWO ACCOUNTS. HIGHLIGHT THE DUPLICATE AND WRITE DUPLICATE UNDERNEATH IT. THE ONE WITH THE LATES, NEVER LATE. JUST MY TWO CENTS. SOME MAY DISAGREE.
Just a note that I have an account not duplicated but entered triple and they just "verified" all of them, even though they have the same dates, the same account numbers, and a $2 difference in balances! In fact, duplicated (not triplicated ...making up my own words now), have been some of my most difficut issues...isn't that wierd since it's so commonsense?
WELL, IT SEEMS LIKE YOU'RE GOING TO HAVE TO MAKE SOME PHONE CALLS TO THE CRA's AND REMIND THEM THAT REPORTING INACCURATE INFO. IS A VIOLATION. IF YOU TALK TO A REAL PERSON YOU MAY BE ABLE TO GET SOMETHING DONE. EXPLAIN TO THEM THAT YOU ONLY HAVE ONE MORTGAGE LOAN. IF THE IDIOT STILL REFUSES TO PURGE THE DUPLICATES, START PREPARING TO TAKE IT TO COURT. I, PERSONALLY HAVEN'T FILED ANY SUITS, SO I CAN'T GIVE YOU ANY ADVICE THERE. HOWEVER, IT PROBABLY WOULDN'T GET THAT FAR. THEY'LL PROBLY GET OFF THEIR @$$E$ AND ACTUALLY CONTACT THE MORTGAGE COMPANY TO AVOID ANY DAMAGE OVER SOMETHING SO SIMPLE. CRA'S USUALLY DON'T BUDGE UNLESS THEIR BACKS ARE AGAINST THE WALL.
Not sure I agree with you here. If the "duplicate" account is reporting as an I1 open/never late, then why dispute it? -Now if it's not showing as a postive account, then sure, dispute it as a duplicate.
now kiyi I'm guessing you disputed that one 'I'm naked' online. Don't we have enough internet porn!! You know I think if I were one of the poor saps going over these disputes I would take that one off in appreciation of the entertainment.
Just for clarification: The lates are acurate. The acct #'s are the same. I think I am going to dispute the one with the lates as duplicate and see what happens. Hockeymom
