A year ago I pulled my wife's report and she had tons of stuff on it that was not hers. At the time her score was like 570 or so. I had 3 collections, 2 chargeoffs, 1 foreclosure, and 2 late history ccs removed and her score never moved 1 point. I called both nothing happened to I wrote to the BBB and now someone is handling her file which is fine as we have a different number to this person. Now she has a 630 as she got some new credit and it slowly built over the last year. Last night her last and only derog was deleted. You would think the golden rule applies right as it helps on TU and EQ? Wrong. She never gained a single point . I think experian either just hides the info and it still counts or their computer system does not even bother to rescore.
