Experian Results

[Pale Rider]

I was about to turn off computer for the night when I checked my email and got notification from Experian (was expecting them next Monday). Results were 3 deletions, 1 of which I did not dispute, but I ain't complaining. But, the results page shows 2 accounts "pending". If the are finished, why are 2 of the accounts pending? Now I see why Fixmycredit hates these people so much. Anyway, I'm happy first round is nearly over and I got some good results. Should get results from TU and CSC/EQ in next few days.

[Anonymous]

That is great news, off to a good start - just watch out for the re-insertion if they try. How many did you dispute all together? Are you putting all your eggs in one basket or dividing them up to swap each month - this I think works out better - if you split them up.

Thanks again for helping me yesterday - I found another lost member today stuck in no-mans land

Keep guiding them to the light - to cross over.

[Waxworks]

I got several deletes from EX as well. All that are left now, are the OCs and that repo. I don't really want to touch that one, because TU and EQ deleted the repo, and if I do a dispute with EX, it might just backfire on me and get reinserted to the others. But I am claiming MAJOR victories with EX, because to have 30 collection accounts deleted, and 10 positive TLs added, within 11 months, thats doing good. What I am thinking is best for now, is waiting a couple of months, and then try Mr Goodwill. Also, I am calling mtg companies, and just asking basic questions about tips on how to get the items suppressed, so my score will look better, so I can get a mtg. Nothing yet, but when I got a hot tip, I will pass that along..........I won't be like Martha

[kb9tbq]

Re-insertion is an easy one to catch - since most of the time the CRAs fail to send out the 5 day notice - so I would not be too worried on that matter.

Looks to be your real concern will be aging the new accounts and manipulating the utillization just right for the best results on the credit scoring.

[Waxworks]

<blockquote>Originally posted by kb9tbq

Re-insertion is an easy one to catch - since most of the time the CRAs fail to send out the 5 day notice - so I would not be too worried on that matter.

Looks to be your real concern will be aging the new accounts and manipulating the utillization just right for the best results on the credit scoring.

</blockquote>

What I did notice is the DOLA has changed on all the OCs in the negatives area. BUT still states the item is to remain until 7.5 years after date of charge-off. I doubt highly I can dispute the DOLA, if the drop-off date is correct.

[Pale Rider]

UPDATE:

This morning, one of the pending accounts came off.

Originally had 5 good accounts and 11 negative

Didputed 6 accounts

4 deleted and 1 pending

1 deleted I did not dispute

2 accounts verified

Disputed Employment, Addresses, Aliases, Drivers License #, Spouse, Inquiries

Employment - Deleted completely

Addresses - Unchanged

Aliases - Deleted

DL# - Deleted

Spouse - Deleted ( I don't have spouse)

Inquiries - Unchanged (1 came off normally)

They had a note that I need to tell them specifically which addresses I did not live at, and a lot of crap about FCRA does not allow inquiries to be removed. I'll deal with that later. I saw a thread once where Swede pointed out a section of FCRA about inquiries staying on report for 1 year, will be checking that out.

Thanks for the replies, and to everyone who has submitted the valuable info on this board. Just one more testimony that this works with patience.

[kb9tbq]

You should just dispute the addresses with a call in to the CRAs - that should be no problem.

Yes there is a note Swede added about inquires suppose to only be affecting on years worth on the credit scoring - but I know for a fact that this is not the case from looking at credt reports on a regular basis. I don't know what to do on that matter as of yet.

It can be found in the FCRA what she was talking about.

[Pale Rider]

I disputed addresses with all 3, but so far they only came off CSC/EQ.

The inquiries staying for 1 year can be found in:

§ 609. Disclosures to consumers

(3) (A) Identification of each person (including each end-user identified under section 607(e)(1) [§ 1681e]) that procured a consumer report

(i) for employment purposes, during the 2-year period preceding the date on which the request is made; or

(ii) for any other purpose, during the 1-year period preceding the date on which the request is made.

( An identification of a person under subparagraph (A) shall include

(i) the name of the person or, if applicable, the trade name (written in full) under which such person conducts business; and

(ii) upon request of the consumer, the address and telephone number of the person.

© Subparagraph (A) does not apply if--

(i) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information (as defined in section 604((4)(E)(i)); and

(ii) the head of the agency or department makes a written finding as prescribed under section 604((4)(A).

[Pale Rider]

UPDATE

Just received CSC/Equifax results in mail.

Disputed 5 accounts --- 1 Deleted

1 wrong account # --- Started dispute over phone today

Addresses, aliases, personal info --- updated

Employment --- Unchanged (but does not show current employer, so it's ok)

Not as good as Experian, but any deletion of bad info is a good deletion.

[kb9tbq]

See that is the problem FCRA says that all info should run reporting only 1 year and 2 years for employment. But that is just not how the CRAs are practicing. They report for full 2 years on everything.

We don't have a way of knowing if the scoring model scores beyond 1 year on these. Employment is a soft inquiry - so these really don't matter if they show 2 years.

Another thing is that each CRA is not consistant with the next on how their members access and how the actual inquiry is graded.

Example is that here with Experian, when I first pull reports for landlords - I would use 08 unknown realestate which is a hard pull - well once I learned this mistake I now use 29 rental agreement which is a soft pull.

Equifax (CSC) tells me, that it don't matter what reason code is used, the subscriber number assigned will always make the inquiry soft pull for the landlord.

So as you can see, some systems are set up for clerical error which can result in mistakes on how the inquiry counts.

I have not had the chance to investigate how TransUnion does their reason codes for pulling credit reports. But each of them only give me just bits of information from time to time, this is not an easy thing to figure out on my end.

[Pale Rider]

<blockquote>Originally posted by kb9tbq

We don't have a way of knowing if the scoring model scores beyond 1 year on these. Employment is a soft inquiry - so these really don't matter if they show 2 years.

</blockquote>

Not sure about the CRA's, but I noticed on PG factores that increase your score:

"You have not applied for credit in the past 6 months".

Another question, kb. When a consumer sends in disputes to CRA, do you think it is assigned to one "rep" and they work on it until completed? Or is there some other system in place? Thanks for any info you can give on this.