Tri-merge Credit Reports

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  • #2406

    We have a paid loan that is coded as debt consolidation and is showing up on the Credco tri-merge under “Derogatory Items”.
    This was our loan and was always paid as agreed. Credco told us that Equifax is reporting this as derogatory. We have checked with Equifax and TransUnion, they state that they are not showing it as a derogatory item.

    Has any one had this type of incident with a tri-merge credit report? If so, were you able to get it corrected and how?
    Any thoughts would be helpful.


    I have not heard of this problem before. It appears the issue may involve a coding problem between Credco and Equifax. If neither party will make a move to correct the problem have your customer dispute the accuracy of the credit report, then Credco and Equifax have to take action.


    That is what we were thinking would need to be done. Thanks for your input and I hope others are not running into this.

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