Have a good TL w/Aspire (CB&T), have paid it down from $5k to $200 and yesterday, it dropped off! My FICO dropped 4 points. I want to speak w/them but obviously can't until Monday. Anyone else have an ongoing, good TL just fall off?
Happened to me on EQ. Three good "closed" mortgages fell off. I called them and they said send copy of report showing those tradelines. Send report. They replied that the items in dispute were not on the report. Duh, that is why I sent it. Called again. Was told that the creditors deleted the information and nothing they could do. I said, how can three different mortgage companies (that have not reported anything for over 4 years) all of a sudden send a delete code. They said I could contact the OC and have it put back on. Like the mortgage company can even find anything that from 5 years ago when the house was paid off. They would not pass me to a supervisor. Finally got passed to voicemail. Left message. Guess what, no call back. Fico dropped at least 30 points since my length of credit history went from 13 years to 3.5 Not sure what to do now. As near as I can tell, this occured because I pull a PG report everyday and it was knocked off.
Re: Re: Whoa! GOOD TL drops off TU *I'd say it's more likely due to this . CRAs FICO and creditors will do everything they can to falsify low scores.
Re: Re: Whoa! GOOD TL drops off TU Well, the good news here is that it's an account that's alive and kicking. Might take another month, but should reappear. Odd thing is, Aspire just reported on EXP, so *maybe* they're ABOUT to report and this is a side effect? Kills me because I'm about to apply for mortgages and TU is my middle score. I think it's still alright, but as Sam Kinnison said - "It never ends!"
