Credit Reports Galore - denied free experian equifax

ConvexLes asked:


I’ve been trying to resolve errors on my credit reports recently, but Experian is giving me a major headache. I sent them two letters via certified mail; one to request deletions, and a second one to request corrections. Instead of addressing these issues, they responded with letters claiming they could not honor my request because I didn’t provide enough info to verify my identity. Grrrr.

There are several inaccuracies on my credit reports, but Experian is REALLY inaccurate… plus I’m under some time pressure to get this resolved. According to the Experian website, the fastest way to dispute anything is online… but I apparently need a ‘report number’ to dispute the Experian inaccuracies. Since it’s been longer than 30 days since I accessed my ‘free’ reports, I can no longer access those. Does this mean I need to purchase new reports?

If so… does anyone have any positive experience with disputing credit report inaccuracies online with Experian? Is there a better/faster way?
Is there any reasonable way to purchase access to all 3 CRA’s, where you can dispute errors from alkl three agencies all at once? I was looking at Experian’s 3-in-1 reports ($40)… but they don’t say if you can dispute online directly from those reports, or how long you have access to them. I need to know the fastest (and simplest) way to do this. I can’t imagine why they make this process so complicated….
Johnny K - These are mostly items that have already been paid that are still showing delinquent. (Paid either by me directly to the creditor, or paid (late) by insurance. Most are old medical bills that have long been taken care of. They also think I still owe $17,000 on my truck… which I paid off the lease early, and purchased in 2004. (They seem to believe I have behind on my payments all these years. HA…What a mess!) There is also a large and rather puzzling phone bill with a provider I have never used.

There is one creditor (medical) that I do still owe money too… it seems insurance isn’t going to pay any more on it. (it took them about a year to pay anything on it… which is what I’ve been waiting for.) I’m willing to pay that bill… but is it unreasonable to ask them to remove it from my record once it’s paid? (It was never supposed to go to collections in the first place, since insurance was technically still pending…)

STEVIE

Mike Clover asked:


it report is not something to be taken lightly these days. It is almost as important as your social security card. There will come a time where your credit report will be required for credit purposes. We see credit reports on a daily basis, and there typically are issues with that individual’s credit report that was not known. This is all too common due to a lack of staying on top of your personal credit report. Here are some common issues we see that cause loans to get denied.

Credit Report Issues:

- Credit Cards charged beyond credit limit

- Credit Cards charged above 30% of allowed credit limit

- Late payments

- Co-signed for loans

- No Credit

- Credit Score too low

- Your dads credit shows up on your report because you are a junior

- Medical Collections

- Stolen Identity

- Credit card fraud

The majority of the time most people have no idea that the previous information discussed affects your credit report. All it takes is one of these mistakes to have issues getting credit extended to you.

If you are getting ready to make a purchase you can definitely save on interest rates and terms by pulling a copy of your credit report with credit scores. This is a preventive measure so you don’t get blind sided with a credit problem. There is a 1 n 4 chances your credit report has incorrect information on it.

Suggestions to avoid common credit report mistakes

- Pull your credit report every 3 months

- Don’t be late on obligations

- Don’t co-sign for anyone

- Don’t charge more on a credit card than you can pay off that month

- Establish credit if you don’t have any with Secured Credit Cards

- Pay your medical bills

- Shred all document that come in the mail to avoid id theft

It only makes since these days to watch out for the problems that have been mentioned.You have nothing to loose by checking your credit report with credit scores regularly. You would be suprised about how many people have identity theft going on with them and not even know about it, until its too late. Identity theft is the fastest growing crime in America. Most identity theft could have been prevented with a little better credit management. If you have not checked your credit in a while, now is a good time to get that piece of mind. This is part of proper credit managment.



EMIL

peggy m asked:


I am filing bancruptcy for high medical bills and my lawyer needs a list of creditors from when I had first started going into debt. I don’t remember all the hospitals and doctors and some of the ones I do remember are not on the credit reports. How do I find them from that long ago?
There was no insurance at the time to cross reference and the medical records were altered over the course of the past decade. No cross reference there either.

SCOT