Please help! I have no Equifax or Experian records

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kengh
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Please help! I have no Equifax or Experian records

Postby kengh » Tue Aug 30, 2011 4:07 pm

Hello guys,

I recently used one of those free credit score websites for a 7 free seven day trial to see what my credit score(s) were so that I could see what cards I could apply for. I currently have a Capital One platinum card that I have had for over two years. They started me out with a $500 credit limit and have slowly raised it to $1250. All of my payments have been on time and I have usually paid off my bill every month in full.

In April of this year Capital One offered me a Rewards card and I have been using that as responsibly as my platinum card. Anyway, when I checked my credit scores I was shocked to see that I had a 752 Transunion score, but significantly lower (672 and 682) on my Equifax and Experian scores.

I looked deeper into it and found that my Transunion score listed both of my Capital One accounts that I have open, and showed that I have paid on time every month, but my Equifax and Transunion scores had no payment information on either of my cards.

In other words, if you are familiar with freescore.com, my Transunion payment history read "OK, OK, OK, OK, OK..." each month; whereas it was just blank for experian and equifax.

Does anyone have any idea what may be causing this? I called Capital One and they told me that they of course report to all three agencies so it isn't anything on their end. Also, what can I do to fix this?

Thanks for any assistance in solving my issue!


ooxs
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Postby ooxs » Wed Aug 31, 2011 6:01 pm

Maybe there is a possibility that Capital One is only reporting your account to Transunion depending on how your account was set up. I have a Cap_one account and i see all my account activity on my Equifax report. You can try opening up a ticket or dispute after you request your current credit report and send them proof of the accounts and account history from Transunion. You can also request a credit reference letter from Capital One to include with your claim; this will give some detail on your past and current account standing.
Hope this help

kengh
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Postby kengh » Thu Sep 01, 2011 10:11 am

With whom exactly would I be opening a ticket with? Equifax and Experian?

ooxs
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Postby ooxs » Thu Sep 01, 2011 9:34 pm

I will do both at the same time, to save time and paperwork. You will be disputing the account history and it can be completed online or offline but i prefer you mail them your dispute with the supplemental information you have handy to justify your claim . This is a very easy fix, you and the bank are on the same page with this issues and all they have to do is an account update. Hopefully I will hear back from you agreeing with me 

kengh
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Postby kengh » Fri Sep 02, 2011 11:14 am

Thank you for your help, but there are a few points I feel that I am missing / don't know how to do. From what I can gather you wan't me to first of all get accounts records from capital one and Transunion (Not sure how to get my records from Transuinon) and then mail these records + open a dispute w/ Experian and Equifax (which I am also not sure how to do). If you could clear up a couple of these things I would love to get started on this project! :D

ooxs
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Postby ooxs » Fri Sep 02, 2011 8:00 pm

Ok so here is what I will recommend you do
1. Call capital one 1-800-955-7070 and ask them for a credit reference letter to prove that your account is in good standing. Explain to them why you want it so if they have a better solution they can try to help. This letter will come in handy if your online dispute is denied and you need to send proof by mail.

2. You go online and you buy a copy of your credit report from Equifax and Experian, assuming you still don’t see your account history updated, you open/file a dispute. You wait and it is investigated, if it comes back in your favor YAY we celebrate, if not then you will have to mail proof to the credit reporting agency along with your dispute letter.


3. If this don’t work, print your copy of your Transunion credit report from their web or request one by phone, hopefully by this time you have the letter from Capital One handy, you write a dispute letter and attach the copy from Transunion and your letter from Capital One, you mail all this to Equifax and Experian.

Equifax Credit Bureau ........./................Experian
PO Box 105518 ............../..................PO Box 9701
Atlanta, GA 30348 ........./..................Allen, TX 75013

Let me know if you need anything

kengh
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Postby kengh » Fri Sep 02, 2011 10:16 pm

Now you sir, are one helpful fellow. Will be taking your advice! :oooo

ooxs
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Postby ooxs » Fri Sep 02, 2011 10:35 pm

I hope it all work out for you and that we can get your scores all up in the mid 700s. Keep us updated and let us know what worked for you. :)



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