I started this post as something different, but then came across a different question after looking at the credit report. Dh had a collection for a phone bill on his experian credit report several months ago. It wasn't scheduled to come off until 10/2004. But while looking at his creditexpert report it isn't on there. I thought Credit expert was experian, so I don't know what is up with that. Any thoughts? I was going to send a payment for deletion on it, but now I'll wait until I check out the other reports & see if it is on them first. I think this is the 2nd CA to have this acct. so perhaps they turned it back to SWB like the first one did. The 1st one is not on the CR (I tried to pay the 1st one a long time ago, but they didn't have it on record; just never got around to paying SWB) Do CA usually delete there enteries if they turn the debt back over?
CreditExpert utilizes your Experian history. If it's not on CreditExpert, it's not contained on your Experian file. As for 'does a CA usually delete' when they turn it back over -- no, the USUALLY don't. They are SUPPOSED TO, but they usually don't bother. Most don't expend time and effort to remove something until you dispute it (after they turn it back over), because they aren't making any $$ off of removing it. They don't care -- until your dispute and the FCRA tells them that they have to care (and remove it).
This isn't always true. When I was subscribing to CE, a collection account I had on EX was never listed on CE, yet everytime I pulled up my EX report, there it was. This was also the case with my gf. CE showed several less derog accounts then were actually contained on her EX report.
Are you sure? When you view your credit report through CE, all it does is redirect you to Experian's website. They are not 2 different reports - they are one in the same.
I'm quite sure. When CE says I have 2 derog accounts (and lists the dollar amount past due) and I then pull a copy of my EXP report (click view report) and then on my EX report I see 3 derog accounts. I'm not saying it's a different report, I'm saying CE isn't always 100% accurate in what it lists on its 'welcome' screen.
Oh, OK. You're talking about their welcome screen. I've seen that a bit fuzzy in the past. I thought you were talking about the report you see when you click "View my report".
