My E-Loan score 4/5 is 586. Under factors that lower credit score it lists: In the past 2 years you have missed 3 consecutive payments 60 time(s)!!!!!!!!! I have no idea as to what they are talking about. According to my EQ report the last time I was late was 11/99. Does anyone else have any ideas???? I'm totally dumbfounded!!! BTW on TU there were no lates since '99(although I didn't print it-out of paper-duh!!). Has anyone else had the same 'error'? Thanks for any suggestions!! HeatherB
I've gotten late 22 times in past 2 years, yet my last missed payment was in 1/2000. I would say it's a big screw up, but most people have said that their "True" TU score is close to what E-loan has...
My TU score 4/2/02 was 562 and my E-Loan score was 586 4/5/02. I guess that is much of a difference. Who does E-Loan pull from? Is there a way to contact E-Loan to find out how they came up with late 3 x's consectively 60 x's? It's still crazy. I am in the process of requesting that old chrgoffs be removed. I paid them off back in '00 & '01-due to buying a home. Thanks for your help! HeatherB
My eloan and TU scores are different by 100+ points. My TU is higher. I didn't realize that the consecutive lates that eloan uses as a scoring factor were in the last 2 years. If that is the case, I have had one incidence of that, not the 6 that they report. I also know that my eloan score hasn't significantly improved despite that I've had about 30 lates deleted from my report through disputes in that last several months.
