Finally!

[tinroofrusted]

I just wanted to share.

Continue to dispute your credit reports!!!!


Transunion, after 5 months, has FINALLY got my credit report nearly 100% accurrate. Thank GOD.

Persistence is the key folks, but it doesk work!!

[tinroofrusted]

ALSO....

I found out today that my Experian score has jumped nearly 70 points in the past 2 months.... I went from a "very poor" credit standing to just a poor standing, and I am just about to hit 600!!!!!

Also, Transunion is about worthless still. For some reason they have put a freeze on my accounts, and I can't pull my credit score from them... watch out for that. I can't get anyone on the phone either.

My Equifax score is nearly 50 points less than my Experian score... a little strange, but I guess that's the way it is........

[HHM]

Thanks for the update, keep those disputes rolling, I am glad its working for you.

[robivi3]

Mine were frozen, I forget which one, but it cleared after afew weeks. It may be a clerical issue. What angers me is that they simply take the word of the subscriber at face value. They damage you with false information and they do NOT investigate. Thye simply ask the subscriber to re-report. I think that if you have documentation this is where you can get them.

Citibank was included in my Bankruptcy. Citibank reports on Experian and TU as Ch. 7 Included in BK. On Equifax they show contact as Citibank with the Citibank address and number. However they show it as "transferred or sold" 10/03 (one month befoore BK was filed). When you call the Attorneys, they say that they are ATTYs for Citibank. When you press the number for Credit reporting at this law firm the voice says "the number you have selected is not an option, goodbye". BLOODY, SLICK!!!!!!!!!!!!

I will send Equifax a discharge copy and creditor Matrix and request a copy of all documents that they used in there investigation. I will also request the name of the persons or person that they spoke to. They have to provide this info. by law. I will also ask how they reviewed the Court files as they have my BK # and the info. is online. Of course we all know the Equifax and the others are a sham as far investigations go, we know it's a joke.

I will then state that Credit Report is one the ways used to collect a debt and that negative reporting is also an attempt to collect. I will then state that it is illegal to be involved in the collection of a discharged debt. The debt is discharged and the Citibank lawyers know it as it is evident in Pacer that this Law firm was also notified.

I will CC my Lawyer and the head of the FTC and state that since they wish to assist in pursuing a discharged debt that they will be held liable along with Citibank.

It ain't about truth with these bastards, it's about how much HELL you can shovel their way. MAKE THEM PAY.

[tinroofrusted]

Mine were frozen, I forget which one, but it cleared after afew weeks. It may be a clerical issue. What angers me is that they simply take the word of the subscriber at face value. They damage you with false information and they do NOT investigate. Thye simply ask the subscriber to re-report. I think that if you have documentation this is where you can get them.

Citibank was included in my Bankruptcy. Citibank reports on Experian and TU as Ch. 7 Included in BK. On Equifax they show contact as Citibank with the Citibank address and number. However they show it as "transferred or sold" 10/03 (one month befoore BK was filed). When you call the Attorneys, they say that they are ATTYs for Citibank. When you press the number for Credit reporting at this law firm the voice says "the number you have selected is not an option, goodbye". BLOODY, SLICK!!!!!!!!!!!!

I will send Equifax a discharge copy and creditor Matrix and request a copy of all documents that they used in there investigation. I will also request the name of the persons or person that they spoke to. They have to provide this info. by law. I will also ask how they reviewed the Court files as they have my BK # and the info. is online. Of course we all know the Equifax and the others are a sham as far investigations go, we know it's a joke.

I will then state that Credit Report is one the ways used to collect a debt and that negative reporting is also an attempt to collect. I will then state that it is illegal to be involved in the collection of a discharged debt. The debt is discharged and the Citibank lawyers know it as it is evident in Pacer that this Law firm was also notified.

I will CC my Lawyer and the head of the FTC and state that since they wish to assist in pursuing a discharged debt that they will be held liable along with Citibank.

It ain't about truth with these bastards, it's about how much HELL you can shovel their way. MAKE THEM PAY.

It took about 7 tries, and finally filing a complaint with the Attorney General and the BBB before Transunion would clear up my report. Next time, I'll just go that route, and to hell with the 7 dispute attempts.

They can be fined $1000.00 for every misleading or false report to your credit. If you can prove it, they have to pay... more people should go after those jerks....

The best advice about the credit bureaus that I can think of is to remember that they are a business. They are out to make the almighty dollar, and that is ALL they care about. Therefore, you have to fight and fight hard against them for your rights to be protected and guarded!

[robivi3]

Tin,
Can you tell me what you did to get action? I need to know. These A******s do NOT investigate, they simply take the subscriber at his word. Help please.

Please PM me if necessary, but it could be of help to all.

[tinroofrusted]