shdubu Posted November 7, 2008 Report Share Posted November 7, 2008 Lets just say, this is the CRA that is giving me the most issues. TU and Equifax have 2 and 3 baddies, Experian has 6. One was supposed to fall off 11/2008 and so far its not off, I disputed a while back, so when I try to dispute it says that they have already disputed this item and that it has been verified, and now my new report does not give a date for deletion.When you go to their site the only way to dispute is online, does anyone know of any other ways to contact them? I would really like this item off, when it came off the other two it really made a nice jump and for some reason in the past day my score has dropped nearly 20 pts and I am not sure what caused it? Im thinking some disputes I have going on?Any help would be great, I kind of wish i would have never touched experian my score was much higher before I started messing with things. Link to comment Share on other sites More sharing options...
avn1970 Posted November 7, 2008 Report Share Posted November 7, 2008 If you're report said it is to report until 11/2008 it will probably remain through November and fall off next month. Link to comment Share on other sites More sharing options...
shdubu Posted November 7, 2008 Author Report Share Posted November 7, 2008 Ok thanks, we are in the process of buying a house and I would just love for it to be gone but Dec is good too! Link to comment Share on other sites More sharing options...
Jacque50 Posted November 7, 2008 Report Share Posted November 7, 2008 If you're report said it is to report until 11/2008 it will probably remain through November and fall off next month.I too have some that have a removal date of 11/08 but, they are still there- so I think this must be correct. Link to comment Share on other sites More sharing options...
Fairy Enchantress Posted November 9, 2008 Report Share Posted November 9, 2008 Never dispute online. Never do this! You will not have any written records of your dispute (the return receipt), plus, you are making it easy for them by disputing online. Your dispute will become a two letter code and will be sent (using eOscar) to an offshore computer for analysis. You will also not be able to dispute specific information within the listing, for instance, wrong high balance, wrong date account was opened, etc. You will not be able to send documentation. In addition, if your name, SSN or address is incorrect, you have to send your request in writing any way. Read this entire link.http://www.creditinfocenter.com/repair/Repair.shtml#5Use for Disputes on Credit Reports:ExperianNCACPO Box 9556Allen TX 75013888-397-3742Equifax Information ServicesP O BOX 740256Atlanta, GA 30374800-997-2493TransUnion Customer Disclosure CenterTrans Union Consumer RelationsPO Box 2000Chester, PA 19022-2000800-888-4213Also many times you can get removal a few months before removal date. Just say the date is expired/obsolete. Send your letter certified. Link to comment Share on other sites More sharing options...
shdubu Posted November 11, 2008 Author Report Share Posted November 11, 2008 Thanks for the address, I thought it wasn't valid anymore since their site says they will no longer handle disputes throug the mail or phone. Link to comment Share on other sites More sharing options...
scottb99 Posted November 11, 2008 Report Share Posted November 11, 2008 Thanks for the address, I thought it wasn't valid anymore since their site says they will no longer handle disputes throug the mail or phone.Interesting. I wonder how they would justify this since not everyone has access to a computer with internet? Link to comment Share on other sites More sharing options...
legal_loansharking Posted November 16, 2008 Report Share Posted November 16, 2008 Even when you mail it, it goes thru e-oscar with the additional snail mail time. How much crap do they give you if you need to dispute the same thing twice since the 1st time it came back verified. Link to comment Share on other sites More sharing options...
shdubu Posted November 20, 2008 Author Report Share Posted November 20, 2008 Thats what I hate about them, they will not let you redispute for somethign like 90 days after they consider it verified! Link to comment Share on other sites More sharing options...
shdubu Posted December 12, 2008 Author Report Share Posted December 12, 2008 Just an FYI, the item is still there, I am calling now its well after November. Link to comment Share on other sites More sharing options...
SteveAR Posted December 12, 2008 Report Share Posted December 12, 2008 Just an FYI, the item is still there, I am calling now its well after November.this is what i was afraid of. please let me know what you did to get them removed. I have 2 of them that equals up to 3k total. Link to comment Share on other sites More sharing options...
shdubu Posted December 19, 2008 Author Report Share Posted December 19, 2008 I tried to call and no such luck even getting to a live person. I have mailed them a dispute letter. Link to comment Share on other sites More sharing options...
tonitunes Posted December 19, 2008 Report Share Posted December 19, 2008 I have had the very same issue. I have 2 baddies that were both listed to be only on there "until November 2008" and they are both still there. I have sent a dispute letter with a copy of my old report that says "until November 2008" and have that part highlighted and said in my letter to please take note of my proof and am going to see what comes of that. Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted December 19, 2008 Report Share Posted December 19, 2008 I have had the very same issue. I have 2 baddies that were both listed to be only on there "until November 2008" and they are both still there. I have sent a dispute letter with a copy of my old report that says "until November 2008" and have that part highlighted and said in my letter to please take note of my proof and am going to see what comes of that.I have also done the exact same thing. Be prepared for them to send you back a generic letter that states " we were unable to use your supporting documents in your dispute" "the item remains and is updated" . That is what they did to me Link to comment Share on other sites More sharing options...
tonitunes Posted December 20, 2008 Report Share Posted December 20, 2008 I have also done the exact same thing. Be prepared for them to send you back a generic letter that states " we were unable to use your supporting documents in your dispute" "the item remains and is updated" . That is what they did to meSo what is our next course of action? I mean, if it is suppose to be deleted and they refuse....... what do we do next? Link to comment Share on other sites More sharing options...
red1gtrubodsm Posted December 20, 2008 Report Share Posted December 20, 2008 So what is our next course of action? I mean, if it is suppose to be deleted and they refuse....... what do we do next?ITS letter with possibly a rough summons drawn up. They need to know that you know your **** and have proof that it should be gone Link to comment Share on other sites More sharing options...
tonitunes Posted January 4, 2009 Report Share Posted January 4, 2009 Just an update:After my nasty little letter to Experian with copies of my old credit reports showing that the two accounts I have been ticked off about should have fallen off a couple months ago, I got a letter back from them today.It is a new copy of my credit report with both of them gone! However instead of saying deleted, it simply says that the disputed items are no longer on my credit report. I guess they got the idea that they should have already deleted them... oh well, I got what I wanted in the long run, even though I had to get a little nasty with them. That was the last of the baddies!!! Link to comment Share on other sites More sharing options...
shdubu Posted March 26, 2009 Author Report Share Posted March 26, 2009 So they keep telling me the item has been verified and will not be deleted and that they do not have a estimated delete date, this was supposed to be removed 11/2008, WWYD? Link to comment Share on other sites More sharing options...
shdubu Posted March 26, 2009 Author Report Share Posted March 26, 2009 Just read through this whole post, I will try ITS? Link to comment Share on other sites More sharing options...
shadokeeper Posted March 26, 2009 Report Share Posted March 26, 2009 I just put a Freeze on Experian it cost me 5.00 but it is worth it... If enough of us Freeze them creditors will stop using them because they can not access the information. If a creditor will not check a different CRA then you do not want to do business with them Guilty by Association! lol Thant is my thought at leastI have tried to redispute a TL that i disputed in 07 and they still will not disput it... Link to comment Share on other sites More sharing options...
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