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Question By
MickDermott

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0 People Helped
How come an item can be deleted on one report but not the other?
I disputed a lien and it was deleted on Transunion but not on Equifax. Is this common?

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Top Contributor
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It takes time

I sometimes also see differences in report updates. I think its just a matter of when the information is reported to each crediting reporting agency combined with the time it takes to update reports here at CK.

If your bank or credit card provider provides access to your credit scores and the factors involved, you may want to check there too. I found that banks seem to have updated info earlier. Just note, this is more of a comparison test so to speak, as credit scores can vary due to several factors, including what scoring model is being used.

My scores from 2 banks, one card provider, and 2 credit score sites [including CK] range from 743 - 645. Some are FICO, and some are Vantage 3.0, and include scores from TU, EQ, and EXP.

Top Contributor
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What was the reasons for disputing and why was it removed from TU? Under FCRA 605(a)/(3) the paid tax lien can stay on your report for 7 years from when it's paid, however CRA would routinely remove them 7 years from when it was filed, guess it might depends on the CSRs whom reviewing your dispute and their understanding of FCRA.

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