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     | Tuesday, March 27, 2001 - 05:34 pm  That really sucks! Was trying to get the Beacon score to see how much difference it makes to show a collection as disputed, and found out that they will NOT provide a new score for 30 days. I hope that this will violate the California credit score disclosure law once it becomes effective.
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| | Tuesday, March 27, 2001 - 05:36 pm Forgot to mention: The Equifax reps made ridiculous statements such as "Your report doesn't change for 30 days" and "your score doesn't change for 30 days." That's definitely NOT true.
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| | Wednesday, March 28, 2001 - 05:00 am That scuttles some of my plans too. I was planning on getting my score on Friday night (March 30) and then again on the morning of April 2 just to prove to you guys that scores are higher at the end of the month than at the beginning. Oh well.
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| | Wednesday, March 28, 2001 - 07:53 am It has been my experience that Equifax doesn't always let you pull your report every 30 days. I've had waits of up to 40 days to pull a new copy. The system simply wouldn't let me pull one. My theory is that Equifax won't let you pull again until something changes in the file. That way, you don't end up paying for the same report twice. Paying for the same report twice has been a problem for QSpace, but it's a problem that may have been eliminated. Now, if you order a second report from QSpace within 30 days of the first report, you get a message that says you have time remaining on your first report. Regardless, I wouldn't say QSpace has made any big leaps. It has the worst customer service on the planet and routinely ignores both emails and voice messages.
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| | Wednesday, March 28, 2001 - 10:11 am Maurice, you wrote: "My theory is that Equifax won't let you pull again until something changes in the file. That way, you don't end up paying for the same report twice." You are by law entitled to see your credit report whenever you feel like paying for it. As a matter of fact "NO changes" can be more important than changes. (See Shylock's posting.) I have NO idea who started the rumor that credit reports change only once a month. It is absolutely NOT true. Credit reports can change daily, and even IF nothing changes, your credit score can change. Take my word for it, or look at the scanned reports at FICO is Fraud As I'm waiting for a call from the FTC, I'll add this issue to my questions.
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| | Wednesday, March 28, 2001 - 10:40 am One may be entitled to see a report whenever he or she feels like paying for it, but that doesn't mean Equifax has to deliver it electronically. I think it's a good thing that Equifax may have a control that prevents a customer from paying for the same electronic report twice. I'm aware of no law that says a CRA has to sell you an electronic report anytime you want to see one. Experian, for one, won't sell me a report online, even though the company provides that service to other consumers. On perhaps a dozen occasions I've tried to order an online report from Experian only to be told my local credit bureau handles my report and that I must order it through them. Please note I never said that Equifax files change only once a month. What I said is that it has been my experience that Equifax hasn't always let me pull my report every 30 days. I've waited up to 40 days before I was granted the option of pulling another report. This could be a software bug, or it could be a fail-safe to prevent me from paying for the same report twice. What I can add anecdotally is that, each time Equifax cleared me to order another electronic report, information in it had changed. That's why I speculated that the post-30-day delay in ordering MIGHT be a protection Equifax built in to prevent complaints that customers were being charged twice for a report that contained the same information. A lot of people have been angry at QSpace for selling the same report twice. Viewed in this light, this theoretical Equifax protection seems to be a good one.
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| | Wednesday, March 28, 2001 - 11:02 am People are NOT complaining about Qspace selling reports that haven't changed. At least I haven't seen those complaints. The complaints I saw were about Qspace selling OLD reports with OUTDATED data. That's a big difference. The FTC certainly doesn't know about any limits on ordering reports. I don't know if the FCRA specifies delivery methods. Considering the TREMENDOUS impact of one piece of credit reporting data on people's lives, especially when trying to buy a house, I'd say we need to have the right to see our reports ANY TIME we want, and yes, electronically. After all, creditors have that right, why not consumers? Do you think your creditors send written requests for an account review and wait for the snail mailed credit report to arrive a week later?
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| | Wednesday, March 28, 2001 - 11:43 am I am one of the people who have complained that QSpace has sold reports that haven't changed. We may be talking semantics here. Whether it's selling reports that haven't changed or selling old reports with outdated data, the results are the same: Customers haven't received what they thought they were paying for. Be that as it may, I agree that creditors don't have to wait to get their reports. I further agree that it would be nice if consumers could access their reports as quickly as creditors can access consumers' reports. All I'm really saying here is that online customers of Equifax MIGHT get a snailmailed report quicker if they have the need to look at their files more than once in a 30-day period. Would I like to see this change? Of course. Do I think Equifax is required to sell me as many online reports as I see fit in any 30-day period? No. Perhaps the FCRA will have to be amended to add an "electronic" definition for "consumer report."
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| | Wednesday, March 28, 2001 - 01:23 pm Maurice, I need to make sure that everybody understands WHY it is so important to see that your report has NOT changed. Shylock thinks that a creditor's NOT updating the report can cause a 24 point drop of your scores in ONE day. He may be right, and if that's so, it's a scoring program flaw. There are a gazillion situations where people have to see if a change was made. Looking at your report to see what changes were NOT made is as important as seeing changes. WHY did you complain about Qspace selling you a report that hasn't changed? It's not THEIR fault that none of the creditors updated their reporting. Customers haven't received what they thought they were paying for. That is NOT true. If Qspace got you a report based on the Equifax data on that date, you DID get what you paid for. You got your credit report as of THAT date. How can you expect Qspace to order your new report, compare it to the previous report, and then e-mail you: "Maurice, there were no changes to your report, so we're not going to charge you, just look at the old report a while longer and check with us again in a week." It's strange that now I'm defending Qspace.  I have read reports of people comparing Qspace reports with the actual Equifax reports and finding that Qspace sold them OLD reports. Now THAT is a problem.
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| | Wednesday, March 28, 2001 - 03:47 pm My specific complaint about QSpace was that they sold me the same report twice. On one occasion, after considerable effort on my part, they even gave me a credit for the bogus report they sold me and allowed me to pull a new, updated report. This happened because the internal systems at QSpace apparently weren't married well. The genesis was this: I went to QSpace's main site and paid them $7.95 for a report. A few weeks (but less than a month) later, I found a site on MSN -- https://cobrands.qspace.com/q/credit_report_applications/icreditreport_step1.html?pa_name=homeadvisor.com -- that sold QSpace reports for only $4. I registered and pulled another report, but received the same report (with the same date) I had pulled earlier. The same thing happened a month later, and I called and emailed to complain. No one ever responded, so I turned up the heat. Still no response. At that point I figured they simply didn't care enough to fix the problem, which I described in detail in email after email. I let a few months pass and tried it again with the same result. Finally, a techie emailed me and placed a credit on my account. Since that time it has seemed as though they built a firewall into the system to prevent this from happening. So, no, I did not get what I paid for. And yes, it is strange that you're defending QSpace. That said, I've enjoyed this exchange very much.
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| | Wednesday, March 28, 2001 - 04:19 pm So Qspace DID send you the OLD report. I'm by no means defending THAT!
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