Kb9 mixed file Question?

[Capepuffin]

I just copied all of my CR's from EQ and highlighted wrong info. and added notes. It is really confusing! I have like 8 pages plus my personal info. that they asked for. I am afraid that if I send this to them, they will totally mess up my CR. So I am having second thoughts. I am afraid that they will delete good accounts and add neg. ones. It is really confusing to me so it definately will be to them. Any advice?

[kb9tbq]

<blockquote>Originally posted by capepuffin

I just copied all of my CR's from EQ and highlighted wrong info. and added notes. It is really confusing! I have like 8 pages plus my personal info. that they asked for. I am afraid that if I send this to them, they will totally mess up my CR. So I am having second thoughts. I am afraid that they will delete good accounts and add neg. ones. It is really confusing to me so it definately will be to them. Any advice?

If you want dispute only the personal inaccurate information first - leave the tradelines out of this round - but provide them with drivers license and such for their confirmation. Would be inclined to fax this in instead of mailing - to get the fastest results. Plus ask them to buffer this information for good so that it don't down the line get re-mixed.

This way once the inaccurate personal information gets updated; you may find some of the tradelines gone as well having less latter to deal with. Ok

</blockquote>

[Edit by kb9tbq on Sunday, April 20, 2003 @ 08:33 AM]

[Capepuffin]

This is were it is confusing. Because I have to seperate files, 1 under my original name and 1 under my married name. All of my tradelines could technically be deleted if I change my name to my current one. All of my good info is on my original CR reporting back since 1985. How should I word this letter to them? Please change the name Karen Jones to Karen Jones Smith? There are 2 seperate files under both of these names. Please update all info. on Karen Jones file to Karen Jones Smith file. I am enclosing a copy of my marriage certificate and SS card for verification of my name. Please permantly buffer my old name Karen Jones so that my files do not get mixed up again.

[kb9tbq]

I forgot; sry sry sry - yes want to be real careful.

If I remember right; you also had problems with mixed file of another family memeber? Right

Then on top of that they have your new & old name in a split file.

This will take some careful planning if you have really old tradelines that might not be able to re-report should they get deleted.

Have to go hunt down that one post we had awhile back - let me go looking be right back.

[Capepuffin]

<blockquote>Originally posted by kb9tbq

I forgot; sry sry sry - yes want to be real careful.

If I remember right; you also had problems with mixed file of another family memeber? Right

Yes

Then on top of that they have your new & old name in a split file.

Yes

This will take some careful planning if you have really old tradelines that might not be able to re-report should they get deleted.

Exactly

Have to go hunt down that one post we had awhile back - let me go looking be right back.

ok, Thanks!

</blockquote>

[kb9tbq]

Ok I give up - know I have been looking since my last post & simply can't find - but I do remember what was going on here.

They absolutely need the birth certificate / drivers license / and a listing of your name & prior name. Asking them to remove all incorrect addresses but be sure to tell them all the correct addresses as well that have belonged to you.

If you can contact the creditors on all accounts that were established in your old name & ask them to update their files as well as the CRAs with your married name. Do the same with the closed accounts (this might not be so easy for some - but in order to save them keep on to at least get a letter confirming the update).

You should not mess with the tradelines right now - just the personal information. When you get results back the trades automatically related to the incorrect data will be removed. I do know this for a fact.

Would call the credit reporting agency; backed up by a fax and follow up calls to the same person at the CRA to follow up and make sure they understand how important this problem is to you. Might see if you can e-mail correspondence this will help as well.

If you want e-mail me. Will reflect on this somemore and look some more for that other posting.

[Capepuffin]

Oh don't give up! I know how EASY it is to search this site to find somrthing you just saw yesterday. LOL! I can never find anything that I search for!

Thank you for your time and effort. I guess I need a good contact person at EQ to handle this and to communicate with me.

My addresses are the same on both files, that is not a problem. The only difference in the file is my married name and my maiden name.

Do you know why this would happen? My SSN and address are the same on both files. My name on both files are the same except that one file has my name hyphenated. I guess what I am asking is how does the CRA start a new file on someone?

[Capepuffin]

Keep your fingers crossed for me! I faxed everything this morning to EQ so they can fix and update my file. I truly hope that they don't mess it up. The man that I spoke with said that nothing would be deleted. Lets hope that he is right.

Thanks again for all of your help in this area!

I'll keep you posted. :upsidown:

[kb9tbq]

<blockquote>Originally posted by capepuffin

Oh don't give up! I know how EASY it is to search this site to find somrthing you just saw yesterday. LOL! I can never find anything that I search for!

Was having a bad day with the search engine; won't give up though. lol

My addresses are the same on both files, that is not a problem. The only difference in the file is my married name and my maiden name.

Do you know why this would happen? My SSN and address are the same on both files. My name on both files are the same except that one file has my name hyphenated. I guess what I am asking is how does the CRA start a new file on someone?

I just seen this exact thing happen last week on a file; hard to say why they do this; but do know that it is very common.

</blockquote>

Sry for not getting back sooner; had to spend day at hospital w/ my mother whom had major surgery today. She made it through fine so far; just have to keep an eye on her to make sure recovery goes fine.

Hope all goes well with the corrections; just have to keep an eye on them; could even call in to follow their progress in a few days to make sure they remember how concerned you are about this being done just right to not cause unnessasary damage in this matter.

[Edit by kb9tbq on Monday, April 21, 2003 @ 08:35 PM]

[Capepuffin]

I hope your mom is ok? She is lucky to have a daughter like you to be there for her.

My mother in law had surgery last week. She is like a mother to me. She was scared because she did not know what exactly was going to happen in the surgery. She made it through fine. She is 70 and has a great youthful outlook on life, which I admire.

[kb9tbq]

Yes thank you; was a bit bent out of shape last night since she came out of surgery at the same time the intensive care unit shut down visitation. Made a trip back down today & finally got to see her; know they will have to keep her longer than planned with her combined health problems - but she is coming along.

[Capepuffin]

Well I have been calling them to check on my file. It seems to me that more than one person is working on this because I keep getting updates on-line. The only problem is they are not showing up on my CR.When I call them they are just as confused as me. 30 days is what they say.

I am disputing anything. Just want them to merge my files. TU did it over the phone. EASY! EQ is making this so difficult! So far they have added 5 hard inquiries and 2 good accounts. Except the good accounts aren't showing up. I think that maybe they are verifying all of my accounts before they move them onto my correct file. I specifically said in my letter NOT to remove anything from my file and that if there was anything that was inacurate I would dispute it after my file was merged. I am so tired of calling these people. I talk to someone different everytime.

How is your mom doing? I hope that she is recovering ok! I bet that she is so happy for you getting the new house and all.

[kb9tbq]

Are you dealing directly with Equifax or one of their affiliates? May help if you keep track of the person which you speak to; and when calling back ask to be put back in touch with this same person again to follow up with you on the progress.

Understand the flustration in not being able to contribue to the investigation part directly to resolve the matter. Especially when it is in the hands of strangers to handle this for you & hope beyond all reason that they take good care not to mess things up worse. So far; hopefully they will take good care of you with all your follow ups in this matter. Head up - there is a light at the end of the tunnel.

Thanks, my mother is doing better. She ended up being in the hospital intensive care unit for one week. They hit a few nicks; but she is back home. Know it will take some time for her to recoup.

[Capepuffin]

I have had 8 updates to my EQ CR on-line but nothing is showing up yet. Now they managed to add another name for me! Imagine that! So they have just a few more days to complete this merge. I call almost daily because I want to keep tabs on this. They just keep saying "its not done yet!" and "its being worked on." Nobody gives me any answers. They did say that they would give me a free credit report on-line as soon as this investigation/merge is done!

[kb9tbq]

Hey; I like your new picture -

Baby steps; want to make sure they are careful and accurate in each step as they go.

Have my fingers crossed for you.

[Capepuffin]

Well today I called again. The Rep told me that they could never combine my files because they were to big! She told me to STOP pulling my CR because it was making my file way to big! I only have 10 accounts. But she said the soft inquiries are messing up the report from creditwatch. I got really upset and she said hold on let me look into this. She came back and said that she went down to maintenance and had them combine the 2 files! She said disregard any previous CR sent to me and I will send you your updated one today. She told me again please don't pull your CR for awhile and no more disputes for awhile also. It is reaking havok with your file!

Should I not pull my report again? I do want to see what my score is. And there are inaccuracies still on there that need to be addressed. So what do tou think?

[kb9tbq]

I would wait and see what they send you first - so you can determine for yourself what they did to re-merge the file. Hopefully they deleted some of the soft inquiries made since they did not bear on the overall credit report.

I would take her advise and leave off pulling credit reports for a bit. Just use the credit report they send you to go off of for next round of disputes. It is still important that they set the matter straight for the errors. Since as you go; information will be removed making room to future pulling of the credit reports.

So once you dispute; just wait the 30 days to recieve the next updated credit report (just keep leap frogging the reports this way). This will take longer - but I don't know at this point how often you where pulling the credit reports.

Sorry; that is depressing news; just keep faith that progress is being made. You now have a complete file - will just be blind for a bit on the credit scores.

[Capepuffin]

I'm hoping that she deleted the hard inquiries! Like That would happen.

My CR really isn't that big. Its just 1 page (both sides) 10 accounts and Inquiries. I hear so many people here say that they pull their reports all of the time even daily. Kimber was one. Also, I have just heard about bumpage. I wasn't trying to do that but how exactly does bumpage work? Do you know?

I really think that they got so confused with my files. On my EQ creditwatch it has 7 new postings (updates)since they have been merging my files. Everything that has been posted is added TL's and IQ's. I asked the women to go over the report with me today on the phone and she did. All of my TL's are there. So thats good, I was afraid they would delete or lose some of my good TL's.

You weren't near those tornadoes were you? I was thinking of you when I heard of them because I don't know anyone in IL. but you. It's funny I used to work for AC Nielsen out of Northbrook. But I never went there, I worked as a rep from home in MA.

Anyways, when do you move into your new house? Getting excited? Good luck with your move I hope all goes smooth! Sorry for rambling on...