Equifax Disputes-locked out

I disputed an incorrect balance on one of my CCs over a month ago. In that month my report has not been updated nor has my score changed. It is still showing the same information from the report that I disputed in June, although the tradeline now shows reinvestigation in process (not quite sure why it is a reinvestigation, but...whatever).

The Equifax system will allow me to pull a new report, but the same info is showing (as well as the same score).

First of all, it is over the 30 days do I need to contact Equifax and tell them to just drop it. I could contact the creditor and just tell them to update the info. Which I should have done in the first place.

I am starting to get ticked since I paid $69.95 for a service that gives me the same info for the past 35 days. Silly.

Thanks for anyone's help.

Dani

 

After paying off 9K in CC debt, my score tanked 80 points...Random number generator. No derogs. The score just plummeted for paying off my BT. I have yet to figure that one out.

My concern is that my report has not changed, although Experian's has - my accounts have updated on Experian, but not Equifax. The dispute has been over for 30 days, and they haven't changed anything. My biggest fear is now they are going to delete the account. It happens to be my Juniper, which also happens to be one of my largest credit lines. I have no doubt my score will probably be 580 if they delete it.

Dani

 

I know. I regret disputing the amount now. I should have just contacted Juniper and asked them to update it to $0. If I did that I wouldn't have this problem.

Dani