I just realized something strange with my TU report. Its happened more than once now. Online report pulled from TU with one file number always shows two specific accounts in the satisfactory account information "Paid or paying as agreed." Mailed copies of report shows a different file number, and these two accounts show up in the adverse account section with derogatory comment "maximum delinquency ..." This has happened twice: Month 1, pull online report and dispute some information (not these accounts because they appear positive). Month 2 get mailed copy after investigation, 2 positive accounts show up negative. Month 3, pull another online, those accounts positive. Dispute other info. Month 4, receive mailed copy after investigation, these 2 positive accounts show as negative. I realize what's going on and pull online again. These accounts show satisfactory. WTF? Obviously, the online report is different from mailed report. Wonder if the mailed copy is the actual copy sent to creditors, while the online version is some bogus report "only seen by me" giving out a false impression as to the actual state of my report. Note: Online version of the report is what shows up when I pulled with WK, and with myfico.com, as well.
There is a difference...I am not sure what the parameters are but I have run into this myself and so have a few of this board's members. It sucks!!
same thing is happening with my equifax. They dropped credit limits on 3 citi accounts. I disputed. They send me reports with the credit limits on, but my report online shows no credit limits still.
