I've passed six months from my Chapter 7 discharge, and my scores have gone down when I believe they should be going up. Pulled today from MyFICO I have Equifax 616, TransUnion 581. January 2010 was Equifax 648, TransUnion 588, and the biggest factor is "payment history" which being totally falsified by creditors either repeatedly updating accurate "IIB Balance $0", or one creditor who just got around to filing their IIB in April and May of this year. The report says I have a one month old delinquency on TransUnion, a two month old delinquency on Equifax (that's Toyota Motor credit just filing IIB on my paid as agreed auto lease).
I also have the CitiIdentity service giving me FAKO scores for all three bureaus, here's what I get:
Bureau Equifax Experian Transunion
Prefiling (7/2009) 513 545 523
After Dischg (1/2010) 582 616 575
Now (5/2010) 572 646 585
From December through the present I added a secured installment loan and secured credit card, and have a perfect payment record on all my open accounts. My average age of accounts actually got longer because Amex appeared out of the woodwork and posted an IIB on an old item that aged off for both reporting and statute of limitations 10 years ago, but shows 37 years old.
When I run the Score Simulator it shows that 6 months of ontime payments would raise Equifax to 636-646, the change is even larger on Transunion, simulator says it would jump to 641-681. The impact in the simulator is bigger than that of paying down all revolving debt or adding an additional credit card with a $3,000 limit. So I think that's a marker of the damage I'm suffering.
I've filed online disputes with Equifax and Experian saying they can't date the IIB accounts beyond the discharge. TransUnion won't take such a dispute online so mailed a letter with hardcopy of the discharge CMRRR.
It grieves me to wait out the "investiugation" process when I believe the responsibility lies with the CRAs. Do they ultimately have the legal responsibility here? If so do I need to wait or should I write each of them saying so?
I also have the CitiIdentity service giving me FAKO scores for all three bureaus, here's what I get:
Bureau Equifax Experian Transunion
Prefiling (7/2009) 513 545 523
After Dischg (1/2010) 582 616 575
Now (5/2010) 572 646 585
From December through the present I added a secured installment loan and secured credit card, and have a perfect payment record on all my open accounts. My average age of accounts actually got longer because Amex appeared out of the woodwork and posted an IIB on an old item that aged off for both reporting and statute of limitations 10 years ago, but shows 37 years old.
When I run the Score Simulator it shows that 6 months of ontime payments would raise Equifax to 636-646, the change is even larger on Transunion, simulator says it would jump to 641-681. The impact in the simulator is bigger than that of paying down all revolving debt or adding an additional credit card with a $3,000 limit. So I think that's a marker of the damage I'm suffering.
I've filed online disputes with Equifax and Experian saying they can't date the IIB accounts beyond the discharge. TransUnion won't take such a dispute online so mailed a letter with hardcopy of the discharge CMRRR.
It grieves me to wait out the "investiugation" process when I believe the responsibility lies with the CRAs. Do they ultimately have the legal responsibility here? If so do I need to wait or should I write each of them saying so?
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