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Old 05-28-2009, 02:30 PM
mnnd mnnd is offline
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Update:
I called Equifax and they assured me that I did not have a split file. They also woul not send out a letter stating that this tax lien was not on my CR, however the will resend the dispute letter indicating that the item was removed.

The real interesting thing here is that it is not the Credit Bureaus that are the problem. Mortgage Lenders utilize a Third Party Credit Collection Service. In this case it is Kroll Factual Data, which I believe is the largest 3rd party collector of data. They are reporting old information that is not reflected on my credit reports. The trouble is that they work for mortgage lenders and not the public. This means that since I am not technically a client of theirs, they have no obligation to respond to my requests. They update their records when they feel like doing so. My hope is that in June, Kroll Factual Data will update my credit file to be accurate with the Credit Bureaus.

People need to be aware that the 3 Credit Bureaus are not the only source of information utilized for loan decisions. But that there are Third Party Data Collectors that hold the power when it comes to maintaining accurate credit files.
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