jrdejavux Posted July 7, 2007 Report Share Posted July 7, 2007 Hello guys, I disputed 2 very old debts with transunion and equifax and they were removed but in the process i got fraud alerts on all 3 CRA anyway to remove this ? they say they stay for 7 years ! Link to comment Share on other sites More sharing options...
chilton1 Posted July 7, 2007 Report Share Posted July 7, 2007 To remove a fraud alert you'll need to request it in writing. You'll have to include (copies of the following documents where appropriate---not the original) your:namesocial security numbercurrent and previous addressesdate of birthdrivers license, and telephone number.Send it to the fraud department of the credit bureaus where the alert has been placed. I'd also suggest using certified mail or overnight shipping. You want to be able to track a letter that has all that critical data.You could also just wait the 90 days for the alert to expire.Credit Bureau Fraud DepartmentsTransUnion Fraud Victim Assistance Department Phone: 800-680-7289Fax: 714-447-6034 P.O. Box 6790 Fullerton, CA 92634-6790EquifaxConsumer Fraud Division Phone: 800-525-6285 or: 404-885-8000 Fax: 770-375-2821 P.O. Box 740241Atlanta, GA 30374-0241Experian Experian's National Consumer AssistancePhone: 888-397-3742 P.O. Box 2104Allen, TX 75013 Link to comment Share on other sites More sharing options...
cajunbulldog Posted July 8, 2007 Report Share Posted July 8, 2007 To remove a fraud alert you'll need to request it in writing. You'll have to include (copies of the following documents where appropriate---not the original) your:namesocial security numbercurrent and previous addressesdate of birthdrivers license, and telephone number.Send it to the fraud department of the credit bureaus where the alert has been placed. I'd also suggest using certified mail or overnight shipping. You want to be able to track a letter that has all that critical data.You could also just wait the 90 days for the alert to expire.Credit Bureau Fraud DepartmentsTransUnion Fraud Victim Assistance Department Phone: 800-680-7289Fax: 714-447-6034 P.O. Box 6790 Fullerton, CA 92634-6790EquifaxConsumer Fraud Division Phone: 800-525-6285 or: 404-885-8000 Fax: 770-375-2821 P.O. Box 740241Atlanta, GA 30374-0241Experian Experian's National Consumer AssistancePhone: 888-397-3742 P.O. Box 2104Allen, TX 75013Dang that is some good concise info there.I am gonna shamelessly copy it for future reference. Link to comment Share on other sites More sharing options...
PolarBearnCO Posted July 9, 2007 Report Share Posted July 9, 2007 Hello guys, I disputed 2 very old debts with transunion and equifax and they were removed but in the process i got fraud alerts on all 3 CRA anyway to remove this ? they say they stay for 7 years !Did your scores go up at all? If they were "very old" it probably didn't help the scores much to have them removed but I'm curious as to how much. Link to comment Share on other sites More sharing options...
jrdejavux Posted July 9, 2007 Author Report Share Posted July 9, 2007 Did your scores go up at all? If they were "very old" it probably didn't help the scores much to have them removed but I'm curious as to how much.Oh yeh it went up from 645 to 735 90 points UP ! first time im above 700 in 4 years ! my credit report for EQ is 100% clean for now ! no Charge off etc CLEAN ! thanks to this board ! Link to comment Share on other sites More sharing options...
nylady Posted July 10, 2007 Report Share Posted July 10, 2007 EXPERIAN Refuses to Delete, even with fraud alert --------------------------------------------------------------------------------Hello All,I placed a fraud alert on my file to see if Experian would delete inquires. I disputed 10 of the 15l as not mine . I recvd a letter from them today stating that "by law your personal CR must list all who have requestd info. Requests remain on your report for up to 2 years. Accoring to the FCRA, businesses with a permissible purpose may view your information. SOme examples are: current creditors to monitor accounts, other creditors who want to offer preapproved credit, etc." Now I'm thinking. If that's the case wouldn't these people do soft pulls instead of hard pulls?HELP! I would really like to get these deleted. If I could do that then it would be a great accomplsihment. I'm going to send another letter? Should I call them directly and what will I say?-My initial letter was sent to the company but I did not request that they send it to fraud the fraud dept. I assumed that if I requested a fraud alert that they would send it to fraud. Maybe that's where I messed up.I appreciate any feedbacknylady Link to comment Share on other sites More sharing options...
nylady Posted July 11, 2007 Report Share Posted July 11, 2007 HeyI called Experian today and asked why they refused to delete the inquiries , considering that I have a fraud alert on my file.The young lady that I spoke to told me that I had to call each creditor and ask for an affidavit of Fraud, get a police report to have the item removed. Well, it was worth a trynylady Link to comment Share on other sites More sharing options...
1flyfisher Posted July 11, 2007 Report Share Posted July 11, 2007 will only stay on your CR for 90 days. Let it pass. Link to comment Share on other sites More sharing options...
nylady Posted July 11, 2007 Report Share Posted July 11, 2007 I'm going to call and ask that they remove it. I placed the alert hoping that I could delete inquiries but that did not work.nylady Link to comment Share on other sites More sharing options...
1flyfisher Posted July 11, 2007 Report Share Posted July 11, 2007 I'm going to call and ask that they remove it. I placed the alert hoping that I could delete inquiries but that did not work.nyladyYou will have to write to the CRA's to have it done. Link to comment Share on other sites More sharing options...
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