     Anonymous | Thursday, February 24, 2000 - 11:35 am 
The same thing happened to me with a trade line at Equifax and Experian. They claimed the creditor never replied to the dispute (I was only disputing that the balance was $0 and it was paid/closed). They removed the trade lines completely. I called the creditor - they never received either dispute nor any contact from the CRA's.
Long story short, I got them to put the trade line back on by calling & convincing them to call the creditor, gave them the phone number & person to talk to (I got this from the creditor BEFORE I called the CRA's). Equifax even did a 3-way call with all of us.
It took several phone calls to each CRA and took some persistence on my part (like not accepting NO for an answer), but they both put it all back on and corrected it. But, again, the creditor verified it all over the phone.
Don't wait too long. If it's deleted for too long, they won't have it to put back on. |
