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     | Sunday, January 23, 2000 - 12:00 pm  In the past few months, I have been repairing my credit(Thanks Bayhouse). After several rounds of disputes, I have successfully had one repo and two charge offs removed from my Transunion report. Can I use the results of Transunion's investigations to to persuad Experian and Equifax to similarly delete this information even though they have refused on two prior occassions. What is my likelihood of success? And what are some potential consequences if a try this tactic. Has anyone been successfull using this strategy?
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| | Sunday, January 23, 2000 - 03:05 pm All three bureaus operate independently of each other so they do not accept each other's decisions as proof. If you’re at a dead end with a particular bureau then you need to turn your appeals to the lender. Questioning billing, reviewing for errors and sometimes pleading. Working your way through staff can yield varied results. If you are declined by one you can try another. Lenders/creditors can be forgiving if given the right information however if your overall credit performance is bad and they find that they have made no errors, then chances are it may remain. Letter blitzing the bureau can also cause them to flag your account as "frivolous". Sometimes the most realistic results are what you may have to accept. Kristi Feathers CarreonandAssociates.com
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| | Sunday, January 23, 2000 - 03:44 pm Steve- If the charge off's have been paid call the creditor directly and ask them if they can still verify the information. If they can't the information (even if accurate) HAS to be removed. You'd be surprised how quickly information is purged. Experian is notorious for claiming to have verified information. Ask them when they verified it. I bet you they can't or won't tell you. Another approach is to find out the name of the President or Vice President of a company and writing them directly. Explain your circumstances and ask them to remove or unrate the account. Most if not all creditors use 2 credit reporting agencies for account review so you really need to try and get all 3 reports corrected. Be patient. It may take months. Phil
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| | Sunday, January 23, 2000 - 04:13 pm Steve: Why don't you sue?
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| | Sunday, January 23, 2000 - 04:43 pm He did not mention if they were paid, near 7 years old or incorrectly listed. He just stated he has been successful getting them removed. Appealing to a lender to remove a Repo is unlikely even if he directs it to the VIPs unless there are some errors or violations involved or the lender cannot locate the file. My thinking is he was successful with one and not the other two because the lender does not regularly report to the third. His best option is as I suggested above appealing to the lender but seeing if there are errors involved first. Particularly violations in the UCC for guidelines on repossessions. If none has taken place and the lender repeatedly validates the debt then that is all he can do for now unless he decides to negotiate a reduced settlement in exchange for deletion. Again, all of this depends how old the debt is, is the SOL to collect is expired etc. The other option is waiting a good 3-6 months before even questioning them to the bureaus again. He has already received two succinct rejections that the argument was moot.
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| | Sunday, January 23, 2000 - 04:54 pm Greg: Just curious,why would he sue? He did not state the info was false. You can't sue a CRA for listing correct info? I know, by following your post's that you would know this so what gives? His post just states he had luck getting it removed from one but not others. He also made no mention of the CRA violating anything. Maybe he can tell us more.
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| | Sunday, January 23, 2000 - 05:18 pm Kristi: If he's talking about removing entries that are true, I'm out-- no time for that goofy monkey-business.
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| | Monday, January 24, 2000 - 07:40 am I once read in a credit-repair book that you should insert a consumer statement something to the effect of "This report is not accurate. I have given this bureau evidence of their mistake and they refuse to correct it. For a correct credit report, please contact at ." The book suggested that such a message would "prompt" the agency to remove the entry so they would not have to add your statement. I do not know first-hand if this will work, but the book said it would.
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| | Monday, January 24, 2000 - 09:28 am That is hilarious. And, I've always wondered what they would do if I wanted to make a statement that they didn't think was appropriate-- like, "I don't have time to do their quality control/credit correction work for them, so I hereby state: because of this credit bureau's incompetence, my report is incorrect... " What would they do-- edit it? Who would be the arbiter? Would they refuse the statement?
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| | Tuesday, January 25, 2000 - 10:22 pm Dr. John Harden tried to add a dispute statement to his Equifax file and THIS is what happened.
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| | Wednesday, January 26, 2000 - 08:53 am That's really amusing. Here's my effort on the matter: An open letter to Trans Union, LLC. January 26, 2000 Trans Union, LLC 1561 E Orangethorpe Avenue Fullerton, CA 92831-5207 Dear Trans Union Representative: Regarding my credit profile (your reference number 99VP4416-016) a copy of which is enclosed, I wish to add a consumer statement as provided for by the Fair Credit Reporting Act, as follows: "Despite my best efforts this credit profile is still filled with inaccuracies. Fortunately both Experían and Equifax are more responsible and thorough in their verification procedures and have accurate information. Accordingly I recommend that any serious credit grantor consult one of those two agencies instead of Trans Union." Thank you for your cooperation in this matter, I look forward to receiving a copy of my credit profile from you soon that will include this consumer statement. I assume this request can be processed within thirty (30) days, if not, I expect an explanation for the delay. Best regards, (Sean's real name and signature here).
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| | Wednesday, January 26, 2000 - 01:56 pm Can't wait for the response to that!
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| | Saturday, February 19, 2000 - 07:48 pm I just had the strangest thing happen. I disputed several old collection agancy accounts on all three of my CRA reports. TU came back, saying that they deleted one account, but verified two others. The funny thing is, they are not on the updated report that TU sent. What's up with that? Are they going to reinsert them? I want to order my TU report indepently of a dispute to see if they are there. Does ordering your own report count as an inquiry, therefor lowering my 'score'? Thanks for all your help so far in this process, it is paying off. My fingers are crossed that one collection agency will take my offer and delete the account from the CRA's. Everything else is all positive! Let me know what you think about the above from TU. Thanks again.
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| | Saturday, February 19, 2000 - 09:34 pm You won't lower your Scores if you order directly from TU.
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| | Sunday, February 20, 2000 - 05:42 pm Thanks Chris! What is your opinion about the two collection accounts they said they verified, but are not on the updated file that they sent?
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| | Sunday, February 20, 2000 - 08:20 pm Don't have one, anything could happen.
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