Reduced my discharge date by three years!
Reduced my discharge date by three years!
I had read a post in this forum, before I registered, that credit bureaus would-not/could-not verify bankruptcy discharge dates. I decided to take on the challenge.
After adjusting the discharge date of my bankruptcy paperwork, I faxed the requests to Trans-Union and Experian. Bing-bang-boom… Date changed!
Equifax took a bit more effort. Multiple requests to change the date only yielded the same response of “The information has been verified”. Also in the responses was a statement that I had a right to the “process” used to verify the information. In addition I requested the “document” used to verify the information. To each request the same evasive response “The information has been verified”.
Up to this point, I had submitted all my Equifax disputes via fax. I then decided to phone them, and asked for a supervisor. At first the supervisor was defensive. I was persistent and repeatedly referenced my right to the “process” used to verify information.
Finally, she reported no “document” existed and information was received via an electronic feed. I stated my opinion that electronic feeds can be wrong and exampled a personal experience I had where my two medical insurance companies were electronically feeding each other they were the primary carrier. As a result, no bills got paid.
Then the supervisor acknowledged that electronic information can be wrong. So I asked, what is your secondary way of verifying bankruptcy discharge information? The answer was that there is no secondary way of verification. I felt her defensive attitude weakening. I stated it would seem we are at an impasse, and asked what is the next step? Her response was I need to get the information to them. STUMBLE. I said I had… Silence… And she reported in fact I had submitted the information. Date changed!
My bankruptcy discharge date reduced from six years to three years!
My message: BE PERSISTENT!
Mostly, thanks for the advice!
I had read a post in this forum, before I registered, that credit bureaus would-not/could-not verify bankruptcy discharge dates. I decided to take on the challenge.
After adjusting the discharge date of my bankruptcy paperwork, I faxed the requests to Trans-Union and Experian. Bing-bang-boom… Date changed!
Equifax took a bit more effort. Multiple requests to change the date only yielded the same response of “The information has been verified”. Also in the responses was a statement that I had a right to the “process” used to verify the information. In addition I requested the “document” used to verify the information. To each request the same evasive response “The information has been verified”.
Up to this point, I had submitted all my Equifax disputes via fax. I then decided to phone them, and asked for a supervisor. At first the supervisor was defensive. I was persistent and repeatedly referenced my right to the “process” used to verify information.
Finally, she reported no “document” existed and information was received via an electronic feed. I stated my opinion that electronic feeds can be wrong and exampled a personal experience I had where my two medical insurance companies were electronically feeding each other they were the primary carrier. As a result, no bills got paid.
Then the supervisor acknowledged that electronic information can be wrong. So I asked, what is your secondary way of verifying bankruptcy discharge information? The answer was that there is no secondary way of verification. I felt her defensive attitude weakening. I stated it would seem we are at an impasse, and asked what is the next step? Her response was I need to get the information to them. STUMBLE. I said I had… Silence… And she reported in fact I had submitted the information. Date changed!
My bankruptcy discharge date reduced from six years to three years!
My message: BE PERSISTENT!
Mostly, thanks for the advice!
(if we are being honest).
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