 How to Build your credit with new Social Security Number ? |
Does the the Cellphone Bills, Credit card, Internet bills help in Building credit ?
What is the best way to Build an Excellent credit.
what to avoid .
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I do ... |
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 Is a credit score of 717 considered a good score? |
Good enough to get a auto loan or possibly a home loan?
I have only had credit cards for almost 2 years.... |
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 I am 18 and i want to apply for a credit card? |
Where do i start? Which credit card is best for me?
Does it mean that now I do not have credit history?... |
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 Credit cards? |
| We have a credit card and have had it for over 5 years now. We got our bill this month our payment went up to 183 dollars. The next day we got a letter from the credit card company saying that they ... |
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 Which credit card you perfer? |
| I just turned 18 and I want to apply for a credit card but there are a lot. Which is the best credit card i should get? ex. american express because it has a good rebate percentage? or visa. etc.... |
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 How long do you hang on to old bank statements ? |
| When do you think it is safe to throw away old statements and receipts extra. How far back can the tax man go?... |
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 Do cell phone bills affect your credit score? |
| I dont think it does but my fiance` thinks it does...... |
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 What does the word derogatory mean on a credit report and how does it effect a FICO score? |
i noticed that my fico score went down
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it is an account that i am paying off in a settlement for $50 a week. I send letters with every payment dated and signed asking ... |
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 I Need A Credit Card???? |
| I've been trying to build credit without a credit card but have finally given in seeing how everything I want to get needs a co-signer which I don't have or CREDIT which I also don't ... |
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 I paid off unpaid balance on my credit report a year back, but my credit report is not updated, what do i do? |
| I had an unpaid balance on an account which i paid in full, and I have a letter from the creditor (dated a year back) indicating that the account has a zero balance. However, my credit report still ... |
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 How to pay bill collectors? |
| I am a kidney transplant patient and will constantly be at doctors offices and hospitals. Just for this year alone I have recieved 4000.00 in bills from the hospital alone. That is my deductible from ... |
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 How long does it take for the record to be off the credit report, if the debt is settled with collector? |
| i have a 1400 in cc debt for the last 3 years, the collection company offered the settlement of 715.51. The actual credit line was 500. the rest are fees. Does anyone know, how to negotiate lesser &... |
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 What businesses other than Woolworth's is the credit crisis affecting? |
| I haven't really been with the credit crisis recently so it would be great if i could know what shops businesses have been ... |
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ConvexLes | Difficulty with Experian, re: disputing errors on credit report. HELP? |
I've been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second one to request corrections. Instead of addressing these issues, they responded with letters claiming they could not honor my request because I didn't provide enough info to verify my identity. Grrrr.
There are several inaccuracies on my credit reports, but Experian is REALLY inaccurate... plus I'm under some time pressure to get this resolved. According to the Experian website, the fastest way to dispute anything is online... but I apparently need a 'report number' to dispute the Experian inaccuracies. Since it's been longer than 30 days since I accessed my 'free' reports, I can no longer access those. Does this mean I need to purchase new reports?
If so... does anyone have any positive experience with disputing credit report inaccuracies online with Experian? Is there a better/faster way?
Additional Details
Is there any reasonable way to purchase access to all 3 CRA's, where you can dispute errors from alkl three agencies all at once? I was looking at Experian's 3-in-1 reports ($40)... but they don't say if you can dispute online directly from those reports, or how long you have access to them. I need to know the fastest (and simplest) way to do this. I can't imagine why they make this process so complicated.... |
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Johnnyk
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I deal with these people all day every day, and one thing they are not in business to do is advocate the consumer. First thing I would do is contact an attorney -- a friend if you know any, because the effort involved is minimal, and if it is a friend, they are unlikely to charge you for something so minor. Anything that arrives on law office letterhead tends to get the wheels moving. The content of the letter is less important than the return address. Also, where do you bank? Do you know any officers there? They could pull your CBR in a second -- and might just do it as a customer service. I have noticed that the credit bureaus I pull (I work in finance) are always significantly different than the "free" credit bureaus people submit to our office. I'd like to give you an explanation, however, at this point all I can say is that reports pulled from the same credit agency on the same day can have radically different scores (I have seen differences of well over 50 points) if one is pulled by a business, and the other is pulled by an individual.
Also, what is the nature of the item(s) you are trying to get removed? Are they settled debts / collections / liens? Are they late payments? Is it fraudulent activity? Have you been confused with another individual with the same name? Specifics are not important, but if you could give me an idea it would help. |
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irishcrm317
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You should always print out or save the free credit reports you get from annualcreditreport.com, so next year, remember that! I would call them directly and ask to speak to a manager. They are obligated to respond to your request if you provide them with the correct information.
If they don't do what you request, report them to your state banking dept. |
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TERESA V
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I disputed my credit report on-line with Transunion.It was very easy and they removed everything that I had a dispute with. It only took like14 days for them to investigate and remove it. I think that your entitled to one free report a year from each of the agencies,so you might be able to go through one of the others so you wouldnt have to buy your report. Once Transunion did mine the info was removed from the other companies also. Good Luck. |
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Bill C
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Sometimes, you have to sue the credit bureau and the creditor who put the wrong info in your credit report. You can file suit in small claims court (or any other court) under the Fair Credit Reporting Act. This might be the only way to get their attention.
I would never dispute anything online...do it in writing and keep a copy of everything you send to them regarding a dispute. |
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bdancer222
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You don't need to send certified letters. However, you do need to provide proof of your identity. Instead of reinventing the wheel by purchasing new credit files and trying to dispute online, why not send letters regular mail with proper ID? I believe they want a copy of your driver's license or other photo ID, social security card, and your DOB. |
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Shawn W
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It's only 9.95 for the online credit reports I am sure that cheaper then the certified mail you sent. Make it easy on your self and buy the report and do it online it much faster then doing my mail or phone. Make sure you buy from the experian website there are so many fakes out there.l |
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USMC Wife, Pitbull Mama
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Buy a new report and dispute online, I've done this with experian, equifax and transunion and have had success with all. |
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2blessedby3
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I've been really successful with EX online and it is faster than mail just repurchase and dispute items a few at a time. |
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