How is it that one OC can report an account of mine to EXP. as closed zero balance, never past due and then report to EQF. $449 balance was 60 days late. The OC reported to the CRA each month and the date they last reported to each was in OCT. 03. How can they tell on CRA one thing and another a whole different story????
Happens to me all the time. That's why I see deletion as the best all around solution - if it comes back, there are some clear rules around it. I am dealing with about four different OCs that are reporting differently. It may have to do w/the CRA's coding/reporting format, or it may the data the OC sent. There isn't a month that goes by w/out something changing on JUST ONE CRA. That's why I can justify the time/money/effort spent on daily pulls. Just had a very favorable tradeline going back to '88 that was never mine (I never asked, since it was favorable turn into a discharge/late. I disputed online w/EXP immediately and pointed out the absurdity of it being written off SIX MONTHS AGO when they had reported as fine for the previous six months. I was hoping they would simply restore it, but they deleted it. Fastest response - 2 days - I've ever seen. Turns out it didn't hurt my score at all. Weird. I call this the maintenance phase - I've done the big deletions, added release dates to liens I could not get deleted (15 out of 30), gotten 8 BK discharges deleted and now I'm just pruning and trimming the remaining ones. The good ones will turn bad, I get on 'em right away. Here's another weird one w/just EQ - closed accounts report open, open accounts report closed. Very weird, but totally screws up my utilization. It keeps happening, randomly.. as if to say "we know you're pulling daily, we'll just keep you very busy".
