CRA not sending updated cr

[mnorwood]

I have noticed this over the past few disputes. When I receive my results back with my deletions I am not getting back updated copies of my CR, it has happened with all 3 CRA. I thought the CRA was required to send an updated copy of your report if your dispute resulted in any changes!!????

[TakingNoMore]

Call them and remind them you haven't gotten the updated reports. CSC (EQ) doesn't send out updated reports unless you request it (from my experience). But, just call them up and they will send you one pronto.

[Ravenous Wolf]

I have never had a problem with that.

However, when I send out my bundle of disputes each month, I always send out each dispute separately in its own letter. As a result, I usually get an updated copy per disputes. Sometimes I don’t, but all the others disputes make up for the missing updated credit report.

Do you bundle all of your disputes into one letter?

Or do you mail them out separately?

I send out anywhere from six to twelve a month to each CRA thus my mailbox is always stuffed with a credit reports.

[seajay]

I just posted the same type question "Equifax on my Nerves".

I sent them a couple of dispute letters recently & specifically requested an updated copy of report. They sent back form saying information has been corrected, but no copy of the credit report attached. When I called they told me I had to pay $9 for it. I didn't pay because I was hoping someone, would answer my question on this board(10/15/04) & explain to why I had to pay for it.

Any help would be greatly appreciated !!

Thanks,

CJ

[Ravenous Wolf]

My suggestion would be two-fold.

First, send all of your disputes as an invidual dispute in the mail. Lots of people like to do their round of disputes into one letter.

Myself, I prefer to to send them out in individual letters. Sometimes I send out as few as four per round per CRA and other times I send out as many as 12 per round per CRA.

As result, my mailbox is always stuffed.

Second, get on the horn to each CRA and request a credit report from their automated system.

In the section that asks if you have been denied credit or experience an adverse action, such as a lowering in your credit limit, blah...blah.

Say YES.

That is a lie and the worst thing that can happen to you is for a computer to tell you no.

Back in my single days, I have had lots of women tell me "no", so a computer telling me "no" is not a big deal to me.

I have always gotten a free credit report from that automated system because ANY slight change in your credit status can qualify for that.