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Jen | Credit report question? help please!? |
ok so a little under 2 months ago I paid off 2 charge offs with 1 bank. But only 1 credit bureau (Experian) has it as paid. Transunion says derogatory, and Equifiax says charge off. Aren't they all supposed to say charge offs and paid??????? To me it looks like 2 of the bureaus havent updated they info yet. and if so doesnt that get removed if they take longer than 30 days?
Additional Details
And also, Transunion and equfax credit scores are at the same number that it was before I paid the 2 debts. |
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tudorjason (matt)
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Credit bureaus are more eager to report negative remarks than positives. They just haven't updated it yet. It should only take a month, but they're slow. |
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Rochelle
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My guess would be that it isn't updated yet!! |
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Lys C
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Dispute it with the CRA - they will either update or delete the tradeline. |
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Jack J
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You can use credit repair agency, for example this one - http://creditreport.fateback.com
They will clean lots of bad stuff from your credit report - and do it much faster than yourself. |
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ejhamilton85
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It isn't the credit bureau that updates the info. It's the company you paid that's supposed to notify all 3 credit bureaus. Visit Transunion and Equifax's website and open a dispute. You will simply provide proof of payment and they will update their info. |
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haidee
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Hi there!
The best thing you can do is write to the creditor tell them they should report it as soon as possible to the bureaus. Then write also to the credit bureaus with the documents that can prove that the account is paid. Then wait for 30 days to see your report again.
I hope it help yah!
Have a good day! |
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curicta85
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Experian and Equifax are the most used in Canada. Maybe u should contact your bank to send them updated info or contact Equifax and tell them to update your records.
Equifax phone # is 800-265-4980. |
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jhjames25
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Legally it should say "Paid Collection", but it will state it is derogatory as long as those items on your credit report.
People blame Credit Breaus not updating the infomation on the CR, when in fact they should be blaming the creditor. |
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Antionette Q
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Wati another thirty days to see if they will be removed by then. If not contact both your creditor and the burueaus to notify them that these items have to be updated. If nothing is done then you can file a dispute with the credit bureaus concerened until they update their records. |
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Elephant Man
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You can write a letter to the creditor (the one you paid off) and copy the credit bureau, asking them to report your debt as paid in full. If they won't, you can write to the credit bureau and request an investigation into it. The credit bureau has to investigate items on your report if you request them to do so. |
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