I just pulled the 3 in 1 report. Color me absolutely confused. Last month I pulled my equifax report and I have it right in front of me. There are two items on the equifax portion of the 3 in 1 that aren't on my lone report. WHY? One is this account that I have no idea where it came from. Some J J Macintyre. And it, for some reason, says I disputed the account (I have never disputed anything on my credit report...it says it was open in 11/02 (or that is when it is reported). Says dispute resolved, customer disagrees on all three bureaus. The hell? Now it is in collection. (this is in the 3 in 1, not the loan report) Pulling hair out in all sides. I guess one good thing is that my score jumped up almost 20 points!!! Now let's keep it jumping UP and not down.
). Says dispute resolved, customer disagrees on all three bureaus. T c_indalite ============= If there is still disagreement then it was never resolved. The END ************************* LB 59
get your actual EQ credit report not the 3-in-1 and if it isn't on there now... I don't know what to tell you, but I would definitely call EQ and find out what's going on.
okay the account that I've never heard of and never disputed (although they said I did) do I just send a standard validation letter, or should I customize it to let them know that I have never disputed said account, maybe ask them to send me the dispute information?
I dealt with JJ Macintyre a few months ago. They were trying to collect on an old phone bill for the number that I have had for the past 3 years. They have a legion of idiots over there validating the impossible.
What The.... I dealt with JJ Macintyre a few months ago. They were trying to collect on an old phone bill for the number that I have had for the past 3 years. They have a legion of idiots over there validating the impossible. wanna =========== Good take advantage of their stupidity when validating.
Is this through Privacy Guard? If so, I posted about this earlier (Privacy Guard??). Do all of your collections show as chargeoffs on PG? I also have a collection on my PG that is not listed on the report I got directly from TU. With EQ, on PG, my car loan is showing as a repo... I still own the car. As long as it's not showing like this from the 3 CRA's, I'm not going to bother with it. TIA!! Good luck!!
