This question applies to anyone with a need to sort out a credit report issue, but I'll give the background in my particular case.
My credit is fine with all three agencies, but only one of the three has my credit card on the report. The other two think I don't have and have never had a credit card, which lowers my score according to them. The agency that knows about my card rates my credit higher.
I'd like all three to know about my credit card. I did the obvious things:
- asked my bank, and they say they report the card to all three but can't do anything beyond that
- called the credit agency (MY GOD - this gets you a person who is forbidden from saying anything not on the flow chart. it's like talking to a computer. if you don't answer yes or no the person just repeats the question. they must get fired if they deviate, or something.)
- sent in the "there is a mistake on my credit" form for the agencies, along with supporting evidence and information. this just got me a form letter saying the bank does not send the credit card data to them. (which is also what the flowchart-reader on the phone said, without pausing to look anything up.)
Best I can tell, there's a flow chart used on phone and mail, where if someone says "you don't have my card on the report" they always blame the bank without actually doing anything.
I'd think they could look up the card in their database, look up me in their database, and try to determine why the two aren't connected. Or something. At least do a search for the card.
Has anyone found a way to get past the flow charts and get a person to try to sort something out?