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	<title>CreditFactors &#187; Systemic violations</title>
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	<link>http://creditfactors.com</link>
	<description>FICO credit scores - settling debts - dealing with collectors ...</description>
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		<title>FICO scores STILL create fictitious late payments on Equifax reports</title>
		<link>http://creditfactors.com/2010/06/fico-scores-still-create-fictitious-late-payments-on-equifax-reports/</link>
		<comments>http://creditfactors.com/2010/06/fico-scores-still-create-fictitious-late-payments-on-equifax-reports/#comments</comments>
		<pubDate>Fri, 04 Jun 2010 07:17:17 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[myFICO Equifax FICTITIOUS late payments]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[FICO software bug]]></category>
		<category><![CDATA[FICTITIOUS late payments]]></category>
		<category><![CDATA[myFICO]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=652</guid>
		<description><![CDATA[Over three years ago I documented that Equifax myFICO reports often contain entirely FICTITIOUS and extremely FICO score lowering RECENT late payments.  A FICO scoring software &#8220;bug&#8221; misinterpreted the charge-off reporting as late payment.
This can NOT be fixed by Equifax as the Equifax direct report does not contain these late payments.
I notified Fair Isaac, but [...]]]></description>
		<wfw:commentRss>http://creditfactors.com/2010/06/fico-scores-still-create-fictitious-late-payments-on-equifax-reports/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Experian refusal to investigate factual credit disputes and FALSE accusations of FRAUD</title>
		<link>http://creditfactors.com/2010/05/experian-refusal-to-investigate-factual-credit-disputes-and-false-accusations-of-fraud/</link>
		<comments>http://creditfactors.com/2010/05/experian-refusal-to-investigate-factual-credit-disputes-and-false-accusations-of-fraud/#comments</comments>
		<pubDate>Tue, 04 May 2010 19:08:24 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian refusal to investigate factual disputes]]></category>
		<category><![CDATA[Student loan balances higher than high credit]]></category>
		<category><![CDATA[Systemic violations]]></category>
		<category><![CDATA[credit dispute refusal]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[FTC]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=648</guid>
		<description><![CDATA[Here is the repost from the new Liars  and Cheats EXPOSED blog at FTC   complaint about Experian refusal to investigate  factual credit   disputes and the documentation and correspondence is posted there.
My client actually INCLUDED a copy of his drivers license and  utility bill with his factual disputes AND [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Experian REFUSING to correct rehabbed student loan and incomplete and false Afni collection reporting</title>
		<link>http://creditfactors.com/2009/09/experian-refusing-to-correct-rehabbed-student-loan-afni-collection-reporting/</link>
		<comments>http://creditfactors.com/2009/09/experian-refusing-to-correct-rehabbed-student-loan-afni-collection-reporting/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 19:44:33 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian MISSING date of first delinquency or charge-off for ALL collections]]></category>
		<category><![CDATA[AFNI]]></category>
		<category><![CDATA[collection]]></category>
		<category><![CDATA[CRA refusal to CORRECT]]></category>
		<category><![CDATA[date of default]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[rehab]]></category>
		<category><![CDATA[status date]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=553</guid>
		<description><![CDATA[Here we go again, another student loan Experian reporting problem and insane investigation results along with SYSTEMIC false and incomplete Afni collection reporting and strange Experian legal advice.  My email to attorney Chang (Jones Day, counsel for Experian in my case against it) is posted below.
1) Experian&#8217;s refusal to report the rehabbed student loan as &#8220;paid [...]]]></description>
		<wfw:commentRss>http://creditfactors.com/2009/09/experian-refusing-to-correct-rehabbed-student-loan-afni-collection-reporting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>My published complaint to the FTC about the Experian lates after charge-off or collection</title>
		<link>http://creditfactors.com/2009/05/my-published-complaint-to-the-ftc-about-the-experian-lates-after-charge-off-or-collection/</link>
		<comments>http://creditfactors.com/2009/05/my-published-complaint-to-the-ftc-about-the-experian-lates-after-charge-off-or-collection/#comments</comments>
		<pubDate>Sun, 03 May 2009 05:53:54 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian MISSING date of first delinqueny / charge-off]]></category>
		<category><![CDATA[Experian lates AFTER charge-off]]></category>
		<category><![CDATA[FTC Complaint]]></category>
		<category><![CDATA[Systemic violations]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[lates after charge-off/collection]]></category>
		<category><![CDATA[re-aging]]></category>
		<category><![CDATA[student loan]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=547</guid>
		<description><![CDATA[My DRAFT complaint to the FTC is posted at http://credit-reporting-collection-ftc-complaints.info/category/devry-experian-late-payments/
I have not received a response from Experian or DeVry and I&#8217;ll snail mail everything next week to the FTC. That DeVry would DELIBERATELY destroy their former students&#8217; credit and lives is beyond belief.   Obviously, that&#8217;s a school to be avoided at any cost.
Very important, I also [...]]]></description>
		<wfw:commentRss>http://creditfactors.com/2009/05/my-published-complaint-to-the-ftc-about-the-experian-lates-after-charge-off-or-collection/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Experian&#8217;s LACK of reasonable procedures: lates after chargeoff</title>
		<link>http://creditfactors.com/2009/04/experians-lack-of-reasonable-procedures-lates-after-chargeoff/</link>
		<comments>http://creditfactors.com/2009/04/experians-lack-of-reasonable-procedures-lates-after-chargeoff/#comments</comments>
		<pubDate>Fri, 03 Apr 2009 07:24:33 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian lates AFTER charge-off]]></category>
		<category><![CDATA[Systemic violations]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=531</guid>
		<description><![CDATA[TYPICAL Experian OBVIOUS incorrect reporting includes late payments AFTER an account was charged off.
The Trans Union FICO score WITH this account (including an incorrect balance), 5 public records and 2 collections is 689.
As POSITIVE TU score factor Fair Isaac lists:
You&#8217;ve recently been paying your bills on time. 
Your most recent late payment happened 6 Years [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The extremely important Experian STATUS and DELETION dates</title>
		<link>http://creditfactors.com/2008/10/the-extremely-important-experian-status-and-deletion-dates/</link>
		<comments>http://creditfactors.com/2008/10/the-extremely-important-experian-status-and-deletion-dates/#comments</comments>
		<pubDate>Thu, 23 Oct 2008 04:12:17 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Experian MISSING date of first delinqueny / charge-off]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=463</guid>
		<description><![CDATA[

(click on image for full size)
When was this account charged off?
How does a CREDITOR know how to rate this account?
How does Experian determine when the account is to be deleted?
How do FICO scores rate the account?
Since Fair Isaac does NOT provide the DETAILS for the scores such as how many months ago an account was [...]]]></description>
		<wfw:commentRss>http://creditfactors.com/2008/10/the-extremely-important-experian-status-and-deletion-dates/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Credit bureaus and Sallie Mae REFUSE to correct student loan high credit reporting</title>
		<link>http://creditfactors.com/2008/09/credit-bureaus-and-sallie-mae-refuse-to-correct-student-loan-high-credit-reporting/</link>
		<comments>http://creditfactors.com/2008/09/credit-bureaus-and-sallie-mae-refuse-to-correct-student-loan-high-credit-reporting/#comments</comments>
		<pubDate>Tue, 16 Sep 2008 22:17:31 +0000</pubDate>
		<dc:creator>Christine</dc:creator>
				<category><![CDATA[Student loan balances higher than high credit]]></category>

		<guid isPermaLink="false">http://creditfactors.com/?p=404</guid>
		<description><![CDATA[Every month the balances on deferred student loans increase as the deferred interest is added, but the “high credit”, “original balance”, “highest amount owed” or whatever label is on the credit reports is NOT increased. 
Obviously, it’s NOT good for credit scores to have installment loan balances higher than the original loan amounts and FICO scoring software [...]]]></description>
		<wfw:commentRss>http://creditfactors.com/2008/09/credit-bureaus-and-sallie-mae-refuse-to-correct-student-loan-high-credit-reporting/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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