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Originally Posted by cjtx
I'm referring to the copy of the EQ/CSC report that comes with the myfico score.
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I knew what you were referring to. Those reports are no different than the other tri-merge offerings in that they are fitting something from another company into their mold. It is essentially hearsay, for lack of a better descriptor.
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I see your point to show damages, but is it really necessary here?
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If you wanted to litigate the matter, then yes, it would be necessary or you can expect to be sanctioned and paying fees.
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myfico is assembling a copy of a report that doesn't match the original (as disclosed by CSC). A dispute under FCRA 611(f) and Tex. Bus. & Comm. Code 20.06(a) as to the inaccuracy of the report assembled by myfico would force myfico to either fix the inaccurate items or delete them, and this in turn would likely change the scores.
There must be a fault in my logic, because it would be too good to be true.
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You don't know that it would HELP your scores. Poetic justice would dictate that someone see a decrease if they want to dispute off of a reseller's report...