The client’s credit reports contained only 4 accounts: A positive student loan, two charge-offs with $0 balances and a Palisades collection. Due to the low number of accounts, it is easy to document how FICO scores rate accounts. Tradelines reported by creditors as disputed are NOT rated as derogatory, but DO count for the so […]
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Categories
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- Experian MISSING date of first delinquency or charge-off for ALL collections (1)
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- Experian refusal to investigate factual disputes (2)
- myFICO Equifax FICTITIOUS late payments (2)
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News Releases and Open Letters
- 2/26/07: Open Letter to Fair Isaac Regarding its Addition of FICTITIOUS Derogatory Data to Credit Reports and Sale of Defective myFICO Reports
- 3/7/06: Notice to Arizona Department of Financial Institutions of First Magnus Financial Corporation Payments of Illegal Kickbacks (RESPA) And False Advertising (TILA)