I am just learning all this credit scoring information. I don't know much about the 3 credit bureaus however I sense that people dislike equifax? Just curious as to why? Are they the bureaus most creditors use?
They are the *MOST* crooked in my opinion, however others have great success with them and not TU or Experian. I can call Experian and get basically anything done on the phone, except the last 4 I'm down to and I sued over those. TU is just incompetent period, I don't even understand them. Equisux is just MEAN!!!! But I might not be the one to answer about EQ right now, after yesterday.
I really don't have a problem with EQ and they're my highest score, but it's EX that I have the most problems with. They take forever to do anything for me. Maybe I should try the Christi approach of calling them, but I don't like doing that because it doesn't leave a paper trail.
Equifax has been my hardest to deal with. Although its a local affiliate I have to dispute with. They keep everything TU deleted everything, over time, without too much of a fight. EX has held on to a couple of lates and a pd chgoff like their life depends on it. (Maybe it does
I've had 6 out of 9 negatives turn either into positives or deleted from Trans Union and about the same from Experian. But I've only fixed 1 negative out of 9 from Equifax and I keep disputing and disputing. They say that everything gets verified but I know they're lying because the same stuff I dispute are fixed with the other CRA's. I'm saving them for last cuz I'm almost done with the other two and I don't want another headache. Janet
