IS It possible to....

I have 4 good accounts, old, but good, that have been removed from my credit reports.

I still have the reports from last year with the accounts on them, is it possible to send and old TU report with the good accounts listed to Equifax and Experian and have them add the good accounts?

Another question, my TU report from myfico.com reports the last day of activity, paid out date and date closed. Now, the TU report I ordered directly from TU the same day as Myfico.com`s TU report has Updated, Opened, closed and status as of.....No last day of activity?

There clearly trying to confuse people. Which one of these date am I supposed to count the 7 years from? I thought it was the last day of activity, but what if it doesn`t have one?

*WHY* were the good accounts removed?

And re TU, see TU reports (http://www.bayhouse.com/order-credit.shtml#Trans%20Union)

And I don't think that myfico.com TU has your inquiries except for the ones counted by the score.

Originally posted by Christine
*WHY* were the good accounts removed?

And re TU, see TU reports (http://www.bayhouse.com/order-credit.shtml#Trans%20Union)

And I don't think that myfico.com TU has your inquiries except for the ones counted by the score.

The good accounts were from Burdines CC. One had one 30 day late. They had been closed in 1995. When I disputed the one late, with all three CRA, the all deleted the entire accounts, except TU left one! They just deleted anything with Burdines on it.


I also ordered the TU by phone the same day I ordered TU from Myfico, so I have the inquiries on that report.

Experian also dropped a ten year loan off also, Installment with the bank and a car I paid off with another bank, no lates. The problem is there were paid off in 1995 and 1996 So they were 10 years older, but I wanted to keep them on.

The OC can`t find or claim they can`t find the accounts, Equifax reports these two and so does TU, Experian does not.

I guess it won`t hurt to try a , Why is your credit reporting different than the others trpe of letter.

I don't understand why you say an account closed in 95 or 96 is 10 years old - it's only 2003!

You can ask the bureaus why they deleted accounts that you didn't dispute, and you can ask for their investigation procedure.

I also don't think they have a right to delete an account when they can't verify a disputed late - but that would be experimental litigation.

"I guess it won`t hurt to try a , Why is your credit reporting different than the others trpe of letter.'

That's a waste of time - it's irrelevant.

Originally posted by Christine
I don't understand why you say an account closed in 95 or 96 is 10 years old - it's only 2003!

You can ask the bureaus why they deleted accounts that you didn't dispute, and you can ask for their investigation procedure.

I also don't think they have a right to delete an account when they can't verify a disputed late - but that would be experimental litigation.

"I guess it won`t hurt to try a , Why is your credit reporting different than the others trpe of letter.'

That's a waste of time - it's irrelevant. That`scorrect, I was thinking seven years when I said ten, my bad.

Well, i found Experian`s 2001 report with three accounts scheduled to continue until 2008. Experian might add them back on.

I know why they removed them, because after I received my reports in 2001, I got up and went other cities and spoke with managers about having collections deleted from my report in exchange for pay. I had six bad accounts deleted in like 10 months, so they figured they would delete three or four good accounts to keep the score lower........he`d never know the difference. It worked! I didn`t even notice until a year later, I was so happy with my progress I didn`t realize they were leveling the score.


Wait a minute, I know what i did!!! I had opened two accounts with Massbrothers, they went out of business before i had paid them off, Burdines took over their location and I was instructed to pay Burdines the remaining balance.....I did.

What i was left with was four accounts on my credit reports.....Two Mass brothers and Two burdines.....pays as agreed/ never late......but the all said.....Account cancelled by credit grantor!!

I disputed that the accounts were closed per my request, and they deleted all the accounts!!!

I only disputed because I read that accounts closed by grantor were considered bad. I knew they couldn`t verify because the original Creditor had gone out of business, I was sure they would update to closed per consumer request......Bam! They couldn`t verify they deleted those suckers!

My score is higher than it`s ever been, so I guess it really doesn`t matter much, just trying to reach the 700`s in the next two years.

What i do know is, the could have updated, but before they would give me my 4 good credit lines, they would rather delete them and see if I can get a company that`s out of business to re-report them. Slick Snakes!

I really don't believe they have the right to delete the ACCOUNT when you dispute something specific such as the "closed by credit grantor."

I've started to ignore that notation on many reports because I'm not sure that it counts for scores, and I rather not risk deletion.

Somebody really ought to sue the bureaus for deleting instead of correcting.

Originally posted by Christine
I really don't believe they have the right to delete the ACCOUNT when you dispute something specific such as the "closed by credit grantor."

I've started to ignore that notation on many reports because I'm not sure that it counts for scores, and I rather not risk deletion.

Somebody really ought to sue the bureaus for deleting instead of correcting. They deleted four accounts just for that reason. I knew they couldn`t provide proof, so rather than give me four good lines they deleted them all.

Now went back and found they CL on some old reports from each of the three brueaus, I going to dispute that they should be reported on my reports.

i have also noticed that the one account left on my TU report is listed as an account in good standing, even though it says closed by credit grantor.

That`s what I get for reading credit repair books three years ago. Several books stated that closed by grantor was a bad listing, so I tried to get that listing corrected. OH well, live and learn.

I will try to get them add again though.

Christine, on question about Experian. I applied for a Discover card, and Experian is the only report they pulled, I often hear you mention there score`s don`t count, no grantor uses them.

Are you referring to mortgages and car loans?


I was on another website that listed which grantors pull what reports, and Experian was on that list more than a few times.
That got me thinking that they do count. Now I know you mention there scores are fake, Oh, I just remembered...... They have a real score but only a mortgage company can pull it correct?

"i have also noticed that the one account left on my TU report is listed as an account in good standing, even though it says closed by credit grantor."

All bureaus do that, and like I said, it may have no negative impact at all.

"I was on another website that listed which grantors pull what reports, and Experian was on that list more than a few times.
That got me thinking that they do count. Now I know you mention there scores are fake, Oh, I just remembered...... They have a real score but only a mortgage company can pull it correct?"

You got it almost right. ANY creditor gets the "real" scores - and that could be Fair Isaac's, a modified Fair Isaac score, their own custom score, Experian also has a special score for lenders.

The scores they sell to consumers are the worthless fake scores.

Example: My Experian score did NOT change at all when:

1) a brand new judgment was added (the only judgment)
2) Providian reported a 5K delinquent balance (the only delinquency)
3) Nelnet started reporting 8 late payments (again the only delinquencies)

That all happened within the last half year. And that's why I'm suing for a court order to prohibit the sale of those fake scores.

The report itself is important, just ignore their consumer scores.

Originally posted by Christine
"i have also noticed that the one account left on my TU report is listed as an account in good standing, even though it says closed by credit grantor."

All bureaus do that, and like I said, it may have no negative impact at all.

"I was on another website that listed which grantors pull what reports, and Experian was on that list more than a few times.
That got me thinking that they do count. Now I know you mention there scores are fake, Oh, I just remembered...... They have a real score but only a mortgage company can pull it correct?"

You got it almost right. ANY creditor gets the "real" scores - and that could be Fair Isaac's, a modified Fair Isaac score, their own custom score, Experian also has a special score for lenders.

The scores they sell to consumers are the worthless fake scores.

Example: My Experian score did NOT change at all when:

1) a brand new judgment was added (the only judgment)
2) Providian reported a 5K delinquent balance (the only delinquency)
3) Nelnet started reporting 8 late payments (again the only delinquencies)

That all happened within the last half year. And that's why I'm suing for a court order to prohibit the sale of those fake scores.

The report itself is important, just ignore their consumer scores. The thing about the scores FICO scores is that, in a way, there worthless also.

Why, because if you go to purchase a car, and the score you pull from fico doesn`t mean the car lot has to choose to use the same model. They have different models they can pick from!!!!!

If they are not selling alot of cars or they simply don`t care about certain customers culture, they can just chose a lower scoring model, for any reason they feel is right for there business at the time. This defeats the whole purpose of the scores.

Anyway, I have heard that a few people on the fourms have mentioned that the Mortgage company pulled the exact or almost the same scores they did, which is really some good news.

It`s really clear why Merchants use the Fico, but still offer there own scores, to make money reguardless of what Fair Issac scores are.

The only reason why I care about scores is because minimum Fair Isaac's scores are REQUIRED for almost all mortgages.

Even the Beacon software comes in several versions and can Beacon score can vary 20 points depending on the software release.

Even though I'm suing them all, I still only look at my reports maybe once a month. I've gone YEARS w/o looking at my reports, and I can't wait to take a few years off again. :)

If buying a house wasn't so important to most people, and scoring so incredible unfair, I couldn't care less about any scores.

Originally posted by Christine
The only reason why I care about scores is because minimum Fair Isaac's scores are REQUIRED for almost all mortgages.

Even the Beacon software comes in several versions and can Beacon score can vary 20 points depending on the software release.

Even though I'm suing them all, I still only look at my reports maybe once a month. I've gone YEARS w/o looking at my reports, and I can't wait to take a few years off again. :)

If buying a house wasn't so important to most people, and scoring so incredible unfair, I couldn't care less about any scores. Yeah, the mortgage is exactly why I`m paying attention to my scores, but from all the dirty tactics done by the CRA`s and some creditors, i`ll be watching my wife and my scores for years.


Speaking of disputing a late pay. I just disputed a three year old Cross Country card with one 30 day late on my wife report and Eqx deleted the entire account!!!!!! They coudn`t verify........because she never paid late! Cross country added the late, because she closed the account, so they figured they would get even by adding a late one 30 day late. Majicly a class action lawsuit appeared right in our mailbox against Crosscountry! but stupid Exq. has developed this if they can`t keep it on as bad dept or slow pay, they would rather give you nothing as opposed to a good trade line. this tells alot about how they operate.

Well, we'll see how that plays out in my suit. Nelnet still isn't reported to Equifax.