- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Just checked my FICOs and updated signature. The only change coming is the new Freedom card reporting, which will probably happen next month. Even if it drops my scores 10 points, it's still good enough as is for the top mortgage rate and I'd be shocked if they fell 10 points.
But I still need to dispute the old accounts. They should not say in deferment or show as being open. Not when I want to go for a house!
Just went to dispute, but on EQ it shows them as closed. Weird that CS says they are open. Must be a bug with CS. It does say "Payment deferred" but I should be able to explain that at that time years ago I was between jobs as an IT contractor so I deferred them but they sold them while they were deferred. Still doesn't look too good though, granted!
On the plus side, every category they listed on FICO was 'Very Good' or 'Great' except New Credit which was 'Bad'. Of course to them a single inquiry in your lifetime is unacceptable so who cares really.
Anyway I tried to dispute with all 3 bureaus and all 3 show the old lender accounts as "closed" I don't know what is up with CreditSecure it must have missed that but better safe than sorry so I don't regret verifying they are closed.