Disputing Experian online question..

Dec 032010
 

I ordered Truecredit to see all 3 reports.  I know that the scores are FAKOs but I like the formatting of the reports themselves.  It makes online disputing with all 3 bureau’s easy.  I once disputed with experian and everything came back verified.  This was about a year ago.  Now I wish to dispute them again because I know that some of the dates are wrong, however, when I try to submit my dispute, it tells me that this item has already been verified.  Aren’t I allowed to dispute it again if I feel it is wrongly reported?  Does anyone have any advice for how to go about online disputing with them now? Thanks

Hardpull from a collection agency?

Nov 112010
 

I had some charge-offs before but were all dropped off the reports early this year so my report is clean, with some CC accounts all in good standing.

 

Last week(11/4), I got a hard pull from “MERCANTILE ADJ BUREAU” on my TU, it’s on TU only and not on EQ/EX. I didn’t receive any mails before so I have no idea what its about. There is no collection accounts on all my reports just a hardpull on TU.

 

I searched and found that its a CA, I guess they bought some old debts and ran a “credit check”. Is it allowed? Can I dispute to TU and get it removed? 

 

Thanks!

Derogatory Account: 7 years from which date? (+1 other question)

Sep 102010
 

Greetings!

 

I just pulled my report from here and I have 6 derogatory medical accounts (they are all paid in full). However, they are still dramatically hurting my credit. The dates presented on the most recent is: 

 

Date assigned Nov 01, 2006

Date reported Jun 01, 2009

Date last active Jan 01, 2006

 

So my first question is: which of these dates is used to determine when the accounts will be dropped from my record in 7-7.5 years?

 

Also, three of the records are from the same collection agency, for the same tendered services (i.e. one bill, but each “line item” generated a new delinquency). Is this legitimate? Or should I contact them and ask them to consolidate the reports into one?

 

Thanks in advanced!

 

Cheers,

Rob

Related Blogs

CRA’s talk to each other?

Mar 202010
 

I was under the impression that the CRA’s rarely shared information. I was a member of Experian’s Credit Expert and everytime I would initate a dispute, I get an alert on Score Watch a week or so later that says the item is currently being disputed. Still happens this way. I just recently had a deletion of a CO account from 06. Should I expect it to delete from the reports as well? I did dispute the item on all 3 CR’s but could a deletion from EX speed up the process for TU and EQ?

AMEX C/O MIA … weird

Mar 032010
 

Pulled report today and discoverd my AMEX CO disapeared from the reports in all 3 CRA.

Only CA assigned shows. And no, I’m still within the 7.5 years of DOFD

 

Very weird….

Message Edited by GordonShumway on 03-02-2010 05:52 PM

Totally gone!

Feb 042010
 

Just pulled today’s credit reports.

3 AFNI accounts – Completely gone
Gulf Coast Collections – Completely gone
Financial Credit Services – Completely gone
United Compucredit – Completely gone
BCA Collections – Completely gone

7 collection accounts have completely disappeared from my credit report!!! I am so happy! And I was unable to go get the mail yesterday, plus I am late in getting it today, so who knows what goodies await me there! This is so much fun to do this…i know…weird, right?

Now I have to look at the reports and see who to tackle next. I am a little perplexed as to why I have not received much of a response from my husband’s reports and collections. I am sure we will eventually, though.